Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.41% | +0.11 | 1.31% |
| Return on Equity (%) | ▼ | 14.14% | -0.20 | 14.34% |
| Net Interest Margin (%) | ▲ | 4.14% | +0.05 | 4.09% |
| Efficiency Ratio (%) | ▲ | 58.56% | -3.78 | 62.35% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.19 | $1 |
| Cost of Funds (%) | ▼ | 1.23% | +0.03 | 1.20% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $216 | +18.59 | $198 |
| Gross Loans ($M) | ▲ | $115 | +7.76 | $108 |
| Loan Growth YoY (%) | ▼ | 60.05% | -0.47 | 60.52% |
| Total Deposits ($M) | ▲ | $189 | +14.20 | $175 |
| Shareholders Equity ($M) | ▲ | $22 | +3.13 | $19 |
| Tang. Book Value ($M) | ▲ | $22 | +3.13 | $19 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +3.78 | $22 |
| Loan / Deposit Ratio (%) | ▼ | 60.05% | -0.47 | 60.52% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.01% | +0.01 | 0.00% |
| Allowance / Loans (%) | — | 1.54% | -0.06% | 1.60% |
| Net Charge-Off Ratio (%) | ▼ | 0.02% | +0.02 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▆▇▇█▆█ | Net Interest Margin (%) | 3.67% | 3.74% | 4.01% | 4.09% | 4.09% | 4.16% | 4.03% | 4.14% |
| ▁▃▅▆▇▇▆█ | Return on Assets (%) | 1.03% | 1.13% | 1.24% | 1.31% | 1.34% | 1.33% | 1.29% | 1.41% |
| █▆▅▄▃▃▂▁ | Efficiency Ratio (%) | 67.7% | 65.3% | 63.6% | 62.3% | 61.1% | 61.4% | 60.6% | 58.6% |
| █▆▁▅▁▁▇▆ | Cost of Funds (%) | 1.27% | 1.23% | 1.13% | 1.20% | 1.13% | 1.13% | 1.24% | 1.23% |
| ▁▃▃▂▂███ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% |
| ▁▃▃▂▂███ | Net Charge-Off Ratio (%) | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0.02% | 0.02% | 0.02% |
| ▃▁▃▃▇▇██ | Tang. Book Value ($M) | $19 | $17 | $19 | $19 | $21 | $21 | $22 | $22 |
| ▁▁▂▄▇▄▇█ | Gross Loans ($M) | $103 | $102 | $105 | $108 | $112 | $109 | $113 | $115 |
| ▁▅▂▁▆███ | Total Deposits ($M) | $177 | $183 | $178 | $175 | $186 | $191 | $191 | $189 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 77% |
| C&I / Commercial | 15% |
| Agricultural | 2% |
| Consumer | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 13% |