Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.62% | +0.44 | 1.18% |
| Return on Equity (%) | ▲ | 23.22% | +3.50 | 19.72% |
| Net Interest Margin (%) | ▲ | 3.78% | +0.23 | 3.55% |
| Efficiency Ratio (%) | ▲ | 57.81% | -7.64 | 65.45% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.33 | $1 |
| Cost of Funds (%) | ▲ | 1.58% | -0.01 | 1.58% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $303 | +14.03 | $289 |
| Gross Loans ($M) | ▲ | $196 | +26.66 | $169 |
| Loan Growth YoY (%) | ▲ | 68.78% | +6.61 | 62.16% |
| Total Deposits ($M) | ▲ | $280 | +12.53 | $268 |
| Shareholders Equity ($M) | ▲ | $22 | +3.72 | $18 |
| Tang. Book Value ($M) | ▲ | $17 | +3.72 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +3.29 | $18 |
| Loan / Deposit Ratio (%) | ▲ | 68.78% | +6.61 | 62.16% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.05% | -0.04 | 0.09% |
| Allowance / Loans (%) | — | 1.49% | -0.04% | 1.52% |
| Net Charge-Off Ratio (%) | ▲ | 0.08% | -0.08 | 0.16% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.45% | -0.26 | 12.70% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▆▅▇█ | Net Interest Margin (%) | 3.28% | 3.33% | 3.46% | 3.55% | 3.63% | 3.59% | 3.67% | 3.78% |
| ▁▁▃▃▃▂█▇ | Return on Assets (%) | 1.01% | 0.94% | 1.27% | 1.18% | 1.22% | 1.11% | 1.85% | 1.62% |
| ▇█▄▅▅▆▁▂ | Efficiency Ratio (%) | 70.2% | 72.8% | 63.5% | 65.4% | 64.9% | 66.7% | 54.5% | 57.8% |
| ██▁▆▅▄▂▅ | Cost of Funds (%) | 1.66% | 1.68% | 1.42% | 1.58% | 1.57% | 1.54% | 1.47% | 1.58% |
| ▂▁▅▅▇█▆▂ | NPA / Assets (%) | 0.06% | 0.04% | 0.09% | 0.09% | 0.12% | 0.14% | 0.11% | 0.05% |
| ▂▁▅▅▇█▆▁ | Net Charge-Off Ratio (%) | 0.10% | 0.06% | 0.17% | 0.16% | 0.20% | 0.23% | 0.18% | 0.08% |
| ▅▁▄▄▇███ | Tang. Book Value ($M) | $14 | $10 | $13 | $13 | $16 | $17 | $17 | $17 |
| ▁▁▃▃▅▇██ | Gross Loans ($M) | $155 | $159 | $166 | $169 | $176 | $191 | $196 | $196 |
| ▁▁▄▃▂██▅ | Total Deposits ($M) | $256 | $260 | $274 | $268 | $264 | $296 | $292 | $280 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 69% |
| C&I / Commercial | 10% |
| Agricultural | 11% |
| Consumer | 8% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 18% |