Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.60% | -0.15 | 1.75% |
| Return on Equity (%) | ▲ | 13.90% | +0.52 | 13.38% |
| Net Interest Margin (%) | ▲ | 4.61% | +0.26 | 4.35% |
| Efficiency Ratio (%) | ▼ | 47.67% | +0.47 | 47.20% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.27 | $1 |
| Cost of Funds (%) | ▲ | 1.64% | -0.21 | 1.85% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $154 | +55.93 | $99 |
| Gross Loans ($M) | ▲ | $109 | +44.50 | $64 |
| Loan Growth YoY (%) | ▲ | 88.17% | +5.94 | 82.24% |
| Total Deposits ($M) | ▲ | $122 | +44.95 | $77 |
| Shareholders Equity ($M) | ▲ | $18 | +4.28 | $13 |
| Tang. Book Value ($M) | ▲ | $16 | +3.23 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $18 | +3.63 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 88.17% | +5.94 | 82.24% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.03% | -0.06 | 0.09% |
| Allowance / Loans (%) | — | 0.91% | -0.18% | 1.09% |
| Net Charge-Off Ratio (%) | ▲ | 0.01% | -0.06 | 0.07% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▃▄▅█▇ | Net Interest Margin (%) | 4.14% | 4.16% | 4.43% | 4.35% | 4.40% | 4.44% | 4.71% | 4.61% |
| ▃▁█▆▄▁▁▂ | Return on Assets (%) | 1.61% | 1.53% | 1.82% | 1.75% | 1.64% | 1.56% | 1.53% | 1.60% |
| ▃▆▁▂▅█▄▂ | Efficiency Ratio (%) | 48.3% | 51.4% | 45.8% | 47.2% | 50.2% | 53.4% | 48.8% | 47.7% |
| █▅█▄▁▂▂▂ | Cost of Funds (%) | 2.22% | 1.92% | 2.30% | 1.85% | 1.43% | 1.63% | 1.62% | 1.64% |
| ▁▁█▁▁▁▂▁ | NPA / Assets (%) | 0.05% | 0.04% | 0.53% | 0.09% | 0.09% | 0.04% | 0.15% | 0.03% |
| ▁▁█▁▂▁▃▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.78% | 0.07% | 0.10% | 0.06% | 0.23% | 0.01% |
| ▁▁▂▂▄▇██ | Tang. Book Value ($M) | $13 | $12 | $13 | $13 | $14 | $16 | $16 | $16 |
| ▁▂▁▂▁▇██ | Gross Loans ($M) | $55 | $62 | $60 | $64 | $58 | $99 | $103 | $109 |
| ▁▂▁▂▁███ | Total Deposits ($M) | $70 | $77 | $77 | $77 | $77 | $118 | $117 | $122 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 36% |
| C&I / Commercial | 6% |
| Agricultural | 53% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 11% |