Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.31% | -0.31 | 0.62% |
| Return on Equity (%) | ▼ | 4.83% | -7.20 | 12.03% |
| Net Interest Margin (%) | ▲ | 3.89% | +0.12 | 3.76% |
| Efficiency Ratio (%) | ▼ | 93.17% | +10.88 | 82.29% |
| Pre-Provision Profit ($M) | ▼ | $-0 | -0.59 | $1 |
| Cost of Funds (%) | ▲ | 1.30% | -0.01 | 1.31% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $296 | +25.04 | $271 |
| Gross Loans ($M) | ▲ | $161 | +13.75 | $148 |
| Loan Growth YoY (%) | ▲ | 57.57% | +0.76 | 56.81% |
| Total Deposits ($M) | ▲ | $277 | +20.53 | $256 |
| Shareholders Equity ($M) | ▲ | $19 | +4.39 | $14 |
| Tang. Book Value ($M) | ▲ | $19 | +4.39 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $24 | +4.42 | $19 |
| Loan / Deposit Ratio (%) | ▲ | 57.57% | +0.76 | 56.81% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.05% | -0.00 | 0.05% |
| Allowance / Loans (%) | — | 1.34% | -0.14% | 1.48% |
| Net Charge-Off Ratio (%) | ▲ | 0.09% | -0.01 | 0.10% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 14.63% | -0.01 | 14.64% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▆▇█▇█ | Net Interest Margin (%) | 3.46% | 3.54% | 3.67% | 3.76% | 3.82% | 3.84% | 3.82% | 3.89% |
| ▂▁▆▇█▇▇▄ | Return on Assets (%) | 0.21% | 0.06% | 0.53% | 0.62% | 0.72% | 0.59% | 0.61% | 0.31% |
| █▆▃▂▁▁▂█ | Efficiency Ratio (%) | 91.7% | 89.0% | 84.5% | 82.3% | 81.0% | 80.7% | 83.1% | 93.2% |
| █▃▁▅▂▃█▄ | Cost of Funds (%) | 1.34% | 1.28% | 1.25% | 1.31% | 1.26% | 1.28% | 1.35% | 1.30% |
| ▁▁▁▁▁█▁▁ | NPA / Assets (%) | 0.06% | 0.06% | 0.05% | 0.05% | 0.05% | 0.32% | 0.05% | 0.05% |
| ▁▁▁▁▁█▁▁ | Net Charge-Off Ratio (%) | 0.10% | 0.10% | 0.10% | 0.10% | 0.09% | 0.61% | 0.10% | 0.09% |
| ▄▁▂▂▆███ | Tang. Book Value ($M) | $15 | $13 | $14 | $14 | $17 | $19 | $18 | $19 |
| ▄▂▁▁▂▂▂█ | Gross Loans ($M) | $152 | $149 | $147 | $148 | $150 | $150 | $149 | $161 |
| ▁▃▄▄▆▇▇█ | Total Deposits ($M) | $238 | $248 | $253 | $256 | $264 | $267 | $268 | $277 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 5% |
| Agricultural | 3% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 9% |