Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.78% | +0.21 | 1.56% |
| Return on Equity (%) | ▲ | 15.33% | +0.99 | 14.34% |
| Net Interest Margin (%) | ▲ | 3.83% | +0.17 | 3.66% |
| Efficiency Ratio (%) | ▲ | 37.85% | -1.70 | 39.55% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.13 | $1 |
| Cost of Funds (%) | ▲ | 1.80% | -0.06 | 1.86% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $133 | +9.32 | $123 |
| Gross Loans ($M) | ▲ | $93 | +13.01 | $80 |
| Loan Growth YoY (%) | ▲ | 84.51% | +5.97 | 78.54% |
| Total Deposits ($M) | ▲ | $109 | +8.20 | $101 |
| Shareholders Equity ($M) | ▲ | $16 | +1.97 | $14 |
| Tang. Book Value ($M) | ▲ | $16 | +1.97 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $17 | +1.92 | $15 |
| Loan / Deposit Ratio (%) | ▲ | 84.51% | +5.97 | 78.54% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.15% | -0.11 | 0.27% |
| Allowance / Loans (%) | — | 1.10% | -0.11% | 1.22% |
| Net Charge-Off Ratio (%) | ▲ | 0.10% | -0.23 | 0.33% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▆▇▇▇█ | Net Interest Margin (%) | 3.27% | 3.37% | 3.56% | 3.66% | 3.70% | 3.72% | 3.74% | 3.83% |
| ▁▁▄▅▆▅██ | Return on Assets (%) | 1.33% | 1.30% | 1.53% | 1.56% | 1.65% | 1.55% | 1.78% | 1.78% |
| ▆█▃▃▁▅▁▁ | Efficiency Ratio (%) | 44.2% | 47.3% | 40.3% | 39.5% | 37.7% | 42.6% | 36.9% | 37.9% |
| ▆▁▃▅█▄▆▄ | Cost of Funds (%) | 1.88% | 1.70% | 1.77% | 1.86% | 1.96% | 1.82% | 1.88% | 1.80% |
| ▂▁▃▃▃█▁▁ | NPA / Assets (%) | 0.21% | 0.16% | 0.30% | 0.27% | 0.25% | 0.60% | 0.12% | 0.15% |
| ▁▁▄▃▃█▁▁ | Net Charge-Off Ratio (%) | 0.15% | 0.15% | 0.39% | 0.33% | 0.26% | 0.76% | 0.07% | 0.10% |
| ▁▁▂▃▅▇▇█ | Tang. Book Value ($M) | $12 | $13 | $13 | $14 | $14 | $15 | $15 | $16 |
| ▁▂▂▃▅▇▇█ | Gross Loans ($M) | $74 | $77 | $77 | $80 | $85 | $88 | $89 | $93 |
| ▁▃▆▆▅▇██ | Total Deposits ($M) | $85 | $94 | $101 | $101 | $99 | $105 | $107 | $109 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 72% |
| C&I / Commercial | 6% |
| Agricultural | 8% |
| Consumer | 14% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 5% |