Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 3.43% | +0.95 | 2.48% |
| Return on Equity (%) | ▲ | 23.04% | +5.13 | 17.91% |
| Net Interest Margin (%) | ▲ | 6.88% | +0.46 | 6.43% |
| Efficiency Ratio (%) | ▲ | 42.95% | -1.05 | 44.01% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.25 | $1 |
| Cost of Funds (%) | ▲ | 1.16% | -0.15 | 1.30% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $171 | +12.43 | $158 |
| Gross Loans ($M) | ▲ | $121 | +18.96 | $102 |
| Loan Growth YoY (%) | ▲ | 83.56% | +8.79 | 74.77% |
| Total Deposits ($M) | ▲ | $143 | +9.22 | $134 |
| Shareholders Equity ($M) | ▲ | $26 | +3.21 | $23 |
| Tang. Book Value ($M) | ▲ | $26 | +3.21 | $23 |
| Loan / Deposit Ratio (%) | ▲ | 83.56% | +8.79 | 74.77% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.29% | -1.60 | 2.89% |
| Allowance / Loans (%) | — | 1.20% | -0.74% | 1.94% |
| Net Charge-Off Ratio (%) | ▲ | 1.82% | -2.02 | 3.84% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▃▁▂▃▄█▆ | Net Interest Margin (%) | 6.49% | 6.55% | 6.29% | 6.43% | 6.50% | 6.65% | 7.10% | 6.88% |
| █▆█▁▂▁██ | Return on Assets (%) | 3.42% | 3.08% | 3.39% | 2.48% | 2.66% | 2.58% | 3.41% | 3.43% |
| ▂█▁▃▅█▃▂ | Efficiency Ratio (%) | 43.1% | 49.3% | 41.6% | 44.0% | 46.3% | 50.3% | 44.6% | 43.0% |
| ██▅▆▁▃▁▂ | Cost of Funds (%) | 1.37% | 1.37% | 1.26% | 1.30% | 1.14% | 1.18% | 1.12% | 1.16% |
| ▅▆▆█▁▁▁▃ | NPA / Assets (%) | 1.76% | 2.20% | 2.13% | 2.89% | 0.45% | 0.35% | 0.53% | 1.29% |
| ▆█▇█▁▁▁▄ | Net Charge-Off Ratio (%) | 2.78% | 3.49% | 3.40% | 3.84% | 0.68% | 0.50% | 0.78% | 1.82% |
| ▃▁▃▄▆▄▇█ | Tang. Book Value ($M) | $22 | $21 | $22 | $23 | $24 | $23 | $25 | $26 |
| ▁▁▂▃▄▅▅█ | Gross Loans ($M) | $95 | $96 | $100 | $102 | $105 | $110 | $110 | $121 |
| ▁▂▅▄▄▄▅█ | Total Deposits ($M) | $127 | $130 | $136 | $134 | $134 | $135 | $137 | $143 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 16% |
| Agricultural | 5% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 35% |
| Interest-Bearing (core) | 56% |
| Brokered / Other | 9% |