Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.16% | +0.45 | 0.71% |
| Return on Equity (%) | ▲ | 12.55% | +3.49 | 9.06% |
| Net Interest Margin (%) | ▲ | 3.79% | +0.46 | 3.33% |
| Efficiency Ratio (%) | ▲ | 66.05% | -9.43 | 75.48% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.23 | $0 |
| Cost of Funds (%) | ▲ | 1.24% | -0.27 | 1.51% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $159 | +2.60 | $156 |
| Gross Loans ($M) | ▲ | $86 | +5.03 | $80 |
| Loan Growth YoY (%) | ▲ | 59.12% | +3.60 | 55.51% |
| Total Deposits ($M) | ▼ | $143 | -0.28 | $143 |
| Shareholders Equity ($M) | ▲ | $15 | +2.70 | $12 |
| Tang. Book Value ($M) | ▲ | $15 | +2.70 | $12 |
| TBV excl. AOCI ($M)** | ▲ | $18 | +2.67 | $15 |
| Loan / Deposit Ratio (%) | ▲ | 59.12% | +3.60 | 55.51% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.07% | -0.08 | 0.15% |
| Allowance / Loans (%) | — | 1.11% | -0.03% | 1.14% |
| Net Charge-Off Ratio (%) | ▲ | 0.14% | -0.16 | 0.30% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▅▆▇█ | Net Interest Margin (%) | 2.92% | 2.97% | 3.27% | 3.33% | 3.43% | 3.49% | 3.65% | 3.79% |
| ▁▂▄▄▅▆▇█ | Return on Assets (%) | 0.38% | 0.49% | 0.75% | 0.71% | 0.79% | 0.91% | 1.01% | 1.16% |
| ██▄▅▄▃▁▁ | Efficiency Ratio (%) | 84.0% | 83.1% | 74.8% | 75.5% | 74.1% | 72.6% | 67.2% | 66.0% |
| █▇▅▄▃▃▁▁ | Cost of Funds (%) | 1.81% | 1.69% | 1.56% | 1.51% | 1.40% | 1.42% | 1.24% | 1.24% |
| ▆▃▃▇▃█▆▁ | NPA / Assets (%) | 0.13% | 0.11% | 0.10% | 0.15% | 0.10% | 0.17% | 0.13% | 0.07% |
| ▆▄▄█▃█▆▁ | Net Charge-Off Ratio (%) | 0.26% | 0.20% | 0.20% | 0.30% | 0.20% | 0.30% | 0.25% | 0.14% |
| ▂▁▂▂▅▇▇█ | Tang. Book Value ($M) | $12 | $11 | $12 | $12 | $14 | $14 | $14 | $15 |
| ▁▂▄▃▆█▆█ | Gross Loans ($M) | $77 | $79 | $82 | $80 | $83 | $87 | $84 | $86 |
| ▁▄██▆▄██ | Total Deposits ($M) | $137 | $139 | $143 | $143 | $141 | $140 | $144 | $143 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 79% |
| C&I / Commercial | 11% |
| Agricultural | 1% |
| Consumer | 6% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 34% |
| Interest-Bearing (core) | 59% |
| Brokered / Other | 7% |