Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.52% | +0.23 | 1.29% |
| Return on Equity (%) | ▲ | 17.82% | +1.58 | 16.24% |
| Net Interest Margin (%) | ▲ | 3.84% | +0.02 | 3.82% |
| Efficiency Ratio (%) | ▲ | 62.29% | -2.46 | 64.75% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.22 | $1 |
| Cost of Funds (%) | ▲ | 1.53% | -0.14 | 1.68% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $309 | +24.23 | $285 |
| Gross Loans ($M) | ▲ | $168 | +17.73 | $151 |
| Loan Growth YoY (%) | ▲ | 60.45% | +1.71 | 58.75% |
| Total Deposits ($M) | ▲ | $276 | +22.06 | $254 |
| Shareholders Equity ($M) | ▲ | $26 | +2.78 | $23 |
| Tang. Book Value ($M) | ▲ | $26 | +2.78 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $29 | +3.08 | $26 |
| Loan / Deposit Ratio (%) | ▲ | 60.45% | +1.71 | 58.75% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.09 | 0.09% |
| Allowance / Loans (%) | — | 1.01% | -0.07% | 1.08% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.17 | 0.17% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 17.14% | -0.20 | 17.34% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▁▅▅█▁▆ | Net Interest Margin (%) | 3.88% | 3.87% | 3.72% | 3.82% | 3.81% | 3.86% | 3.74% | 3.84% |
| ▇█▁▃▄▆▆█ | Return on Assets (%) | 1.46% | 1.50% | 1.15% | 1.29% | 1.29% | 1.40% | 1.39% | 1.52% |
| ▄▂█▇▇▄▇▁ | Efficiency Ratio (%) | 63.8% | 62.9% | 65.5% | 64.7% | 64.8% | 63.6% | 64.8% | 62.3% |
| ▅█▄▄▄▄▂▁ | Cost of Funds (%) | 1.75% | 1.90% | 1.70% | 1.68% | 1.69% | 1.71% | 1.59% | 1.53% |
| ▇█▁▃▃▁▁▁ | NPA / Assets (%) | 0.26% | 0.31% | 0.03% | 0.09% | 0.09% | 0.00% | 0.00% | 0.00% |
| ██▁▃▃▁▁▁ | Net Charge-Off Ratio (%) | 0.50% | 0.56% | 0.06% | 0.17% | 0.15% | 0.00% | 0.00% | 0.00% |
| ▃▁▃▃▇███ | Tang. Book Value ($M) | $23 | $21 | $22 | $23 | $25 | $26 | $26 | $26 |
| ▁▃▅▃▇▇██ | Gross Loans ($M) | $142 | $149 | $158 | $151 | $165 | $167 | $171 | $168 |
| ▁▁▃▃▄▅▇█ | Total Deposits ($M) | $241 | $244 | $250 | $254 | $256 | $259 | $270 | $276 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 69% |
| C&I / Commercial | 20% |
| Agricultural | 8% |
| Consumer | 1% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 35% |
| Interest-Bearing (core) | 49% |
| Brokered / Other | 16% |