Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.50% | -1.06 | 1.56% |
| Return on Equity (%) | ▼ | 1.83% | -4.07 | 5.90% |
| Net Interest Margin (%) | ▼ | 2.57% | -0.01 | 2.58% |
| Efficiency Ratio (%) | ▲ | 31.54% | -3.36 | 34.89% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.05 | $0 |
| Cost of Funds (%) | ▲ | 1.46% | -0.13 | 1.59% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $123 | +7.89 | $115 |
| Gross Loans ($M) | ▲ | $45 | +8.08 | $37 |
| Loan Growth YoY (%) | ▲ | 52.66% | +8.34 | 44.32% |
| Total Deposits ($M) | ▲ | $83 | +1.01 | $82 |
| Shareholders Equity ($M) | ▲ | $34 | +2.43 | $32 |
| Tang. Book Value ($M) | ▲ | $32 | +2.43 | $29 |
| TBV excl. AOCI ($M)** | ▲ | $35 | +2.47 | $33 |
| Loan / Deposit Ratio (%) | ▲ | 52.66% | +8.34 | 44.32% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.70% | +0.70 | 0.00% |
| Allowance / Loans (%) | — | 2.16% | 1.44% | 0.72% |
| Net Charge-Off Ratio (%) | ▼ | 1.93% | +1.93 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▄▅█▄ | Net Interest Margin (%) | 2.26% | 2.28% | 2.51% | 2.58% | 2.60% | 2.65% | 2.94% | 2.57% |
| ▅▅▇▇▇▇█▁ | Return on Assets (%) | 1.32% | 1.31% | 1.54% | 1.56% | 1.59% | 1.59% | 1.88% | 0.50% |
| ██▆▆▅▅▁▃ | Efficiency Ratio (%) | 37.3% | 37.9% | 34.5% | 34.9% | 33.9% | 34.0% | 28.6% | 31.5% |
| ▄█▃▄▂▃▁▁ | Cost of Funds (%) | 1.57% | 1.81% | 1.53% | 1.59% | 1.48% | 1.55% | 1.42% | 1.46% |
| ▂▂▁▁▁▁▁█ | NPA / Assets (%) | 0.17% | 0.17% | 0.00% | 0.00% | 0.00% | 0.02% | 0.02% | 0.70% |
| ▃▃▁▁▁▁▁█ | Net Charge-Off Ratio (%) | 0.56% | 0.55% | 0.00% | 0.00% | 0.00% | 0.06% | 0.05% | 1.93% |
| ▁▁▁▂▅███ | Tang. Book Value ($M) | $29 | $29 | $29 | $29 | $30 | $31 | $31 | $32 |
| ▁▂▁▁▃▅▇█ | Gross Loans ($M) | $37 | $37 | $36 | $37 | $38 | $41 | $43 | $45 |
| ▇▅▇▁▇▃█▁ | Total Deposits ($M) | $91 | $87 | $90 | $82 | $91 | $86 | $93 | $83 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 54% |
| C&I / Commercial | 10% |
| Agricultural | 34% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 12% |
| Interest-Bearing (core) | 73% |
| Brokered / Other | 14% |