Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.85% | +0.21 | 0.64% |
| Return on Equity (%) | ▲ | 11.55% | +2.12 | 9.43% |
| Net Interest Margin (%) | ▲ | 3.89% | +0.51 | 3.38% |
| Efficiency Ratio (%) | ▲ | 71.51% | -3.37 | 74.89% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.54 | $2 |
| Cost of Funds (%) | ▲ | 1.86% | -0.19 | 2.05% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $748 | +33.38 | $714 |
| Gross Loans ($M) | ▲ | $570 | +49.80 | $520 |
| Loan Growth YoY (%) | ▲ | 84.89% | +4.10 | 80.79% |
| Total Deposits ($M) | ▲ | $665 | +27.18 | $638 |
| Shareholders Equity ($M) | ▲ | $55 | +6.00 | $49 |
| Tang. Book Value ($M) | ▲ | $55 | +6.00 | $49 |
| TBV excl. AOCI ($M)** | ▲ | $61 | +6.04 | $55 |
| Loan / Deposit Ratio (%) | ▲ | 84.89% | +4.10 | 80.79% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.01% | -0.00 | 0.01% |
| Allowance / Loans (%) | — | 1.02% | 0.01% | 1.01% |
| Net Charge-Off Ratio (%) | ▲ | 0.01% | -0.01 | 0.02% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 10.95% | +0.30 | 10.65% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▃▄▅▇█ | Net Interest Margin (%) | 3.13% | 3.19% | 3.34% | 3.38% | 3.43% | 3.52% | 3.76% | 3.89% |
| ▁▁▂▄▅▆▇█ | Return on Assets (%) | 0.45% | 0.47% | 0.51% | 0.64% | 0.67% | 0.74% | 0.75% | 0.85% |
| ██▆▃▃▁▂▁ | Efficiency Ratio (%) | 81.3% | 80.7% | 78.4% | 74.9% | 74.0% | 72.5% | 73.4% | 71.5% |
| ▆█▄▇█▆▁▁ | Cost of Funds (%) | 2.01% | 2.06% | 1.97% | 2.05% | 2.08% | 2.02% | 1.86% | 1.86% |
| █▁▁▄▄▁█▁ | NPA / Assets (%) | 0.02% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.02% | 0.01% |
| █▂▁▅▄▁▇▁ | Net Charge-Off Ratio (%) | 0.02% | 0.01% | 0.01% | 0.02% | 0.02% | 0.01% | 0.02% | 0.01% |
| ▁▁▂▄▅▇▇█ | Tang. Book Value ($M) | $45 | $45 | $47 | $49 | $51 | $53 | $53 | $55 |
| ▁▁▂▃▄▅▇█ | Gross Loans ($M) | $500 | $497 | $507 | $520 | $530 | $540 | $555 | $570 |
| ▁▁▅▅▆▆▇█ | Total Deposits ($M) | $600 | $599 | $632 | $638 | $646 | $643 | $651 | $665 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 89% |
| C&I / Commercial | 5% |
| Agricultural | 1% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 16% |