Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.38% | +0.31 | 1.07% |
| Return on Equity (%) | ▼ | 22.78% | -1.68 | 24.46% |
| Net Interest Margin (%) | ▲ | 2.93% | +0.03 | 2.89% |
| Efficiency Ratio (%) | ▲ | 53.28% | -7.74 | 61.02% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.11 | $0 |
| Cost of Funds (%) | ▲ | 1.25% | -0.01 | 1.26% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $133 | +13.32 | $120 |
| Gross Loans ($M) | ▲ | $22 | +7.88 | $14 |
| Loan Growth YoY (%) | ▲ | 18.13% | +6.16 | 11.97% |
| Total Deposits ($M) | ▲ | $119 | +4.59 | $115 |
| Shareholders Equity ($M) | ▲ | $8 | +3.00 | $5 |
| Tang. Book Value ($M) | ▲ | $8 | +3.00 | $5 |
| TBV excl. AOCI ($M)** | ▲ | $13 | +3.30 | $10 |
| Loan / Deposit Ratio (%) | ▲ | 18.13% | +6.16 | 11.97% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.51% | -0.39% | 0.90% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▆▁▅▅▅▄▇ | Net Interest Margin (%) | 2.99% | 2.90% | 2.76% | 2.89% | 2.88% | 2.89% | 2.87% | 2.93% |
| ▃▁▂▂▃▁█▇ | Return on Assets (%) | 1.15% | 0.97% | 1.04% | 1.07% | 1.13% | 0.97% | 1.51% | 1.38% |
| ▃▇▅▆▅█▁▂ | Efficiency Ratio (%) | 56.2% | 62.9% | 58.7% | 61.0% | 59.0% | 64.9% | 51.0% | 53.3% |
| █▇▄▄▃▄▁▃ | Cost of Funds (%) | 1.37% | 1.35% | 1.26% | 1.26% | 1.24% | 1.27% | 1.18% | 1.25% |
| ▁▁▁▁█▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.03% | 0.00% | 0.00% | 0.00% |
| ▁▁▁▁█▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.24% | 0.00% | 0.00% | 0.00% |
| ▆▁▄▁████ | Tang. Book Value ($M) | $7 | $5 | $6 | $5 | $8 | $8 | $8 | $8 |
| ▁▁▂▄▄▅▅█ | Gross Loans ($M) | $10 | $9 | $11 | $14 | $15 | $16 | $17 | $22 |
| ▁▃▃▂▂▅█▅ | Total Deposits ($M) | $112 | $116 | $115 | $115 | $114 | $119 | $124 | $119 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 34% |
| C&I / Commercial | 58% |
| Agricultural | 6% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 32% |
| Interest-Bearing (core) | 68% |