Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.65% | +0.42 | 1.22% |
| Return on Equity (%) | ▲ | 18.79% | +3.49 | 15.30% |
| Net Interest Margin (%) | ▲ | 3.71% | +0.62 | 3.09% |
| Efficiency Ratio (%) | ▲ | 47.18% | -4.78 | 51.96% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.19 | $0 |
| Cost of Funds (%) | ▲ | 2.48% | -0.40 | 2.88% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $141 | +14.64 | $126 |
| Gross Loans ($M) | ▲ | $103 | +13.55 | $90 |
| Loan Growth YoY (%) | ▲ | 99.67% | +15.18 | 84.49% |
| Total Deposits ($M) | ▼ | $102 | -2.90 | $105 |
| Shareholders Equity ($M) | ▲ | $12 | +2.31 | $10 |
| Tang. Book Value ($M) | ▲ | $12 | +2.31 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $14 | +2.41 | $12 |
| Loan / Deposit Ratio (%) | ▲ | 99.67% | +15.18 | 84.49% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.51% | -0.34 | 0.84% |
| Allowance / Loans (%) | — | 1.30% | 0.31% | 0.99% |
| Net Charge-Off Ratio (%) | ▲ | 0.69% | -0.49 | 1.18% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▃▁▁▁▂▇█ | Net Interest Margin (%) | 3.26% | 3.22% | 3.05% | 3.09% | 3.05% | 3.19% | 3.56% | 3.71% |
| ▆▅▅▄▁▃▇█ | Return on Assets (%) | 1.37% | 1.28% | 1.34% | 1.22% | 0.83% | 1.04% | 1.46% | 1.65% |
| ▄▆█▅██▁▁ | Efficiency Ratio (%) | 50.6% | 53.6% | 56.0% | 52.0% | 55.8% | 55.0% | 47.1% | 47.2% |
| ▄█▇██▅▃▁ | Cost of Funds (%) | 2.68% | 2.88% | 2.81% | 2.88% | 2.90% | 2.72% | 2.63% | 2.48% |
| ▁███▇▇▅▄ | NPA / Assets (%) | 0.15% | 0.88% | 0.90% | 0.84% | 0.74% | 0.80% | 0.58% | 0.51% |
| ▁███▇▅▅▄ | Net Charge-Off Ratio (%) | 0.21% | 1.22% | 1.25% | 1.18% | 1.03% | 0.78% | 0.80% | 0.69% |
| ▂▁▂▃▅▆▇█ | Tang. Book Value ($M) | $10 | $9 | $10 | $10 | $11 | $12 | $12 | $12 |
| ▁▂▃▄▅▇▇█ | Gross Loans ($M) | $79 | $82 | $85 | $90 | $93 | $97 | $99 | $103 |
| ▁▂▅▇█▇█▆ | Total Deposits ($M) | $90 | $95 | $100 | $105 | $109 | $106 | $109 | $102 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 88% |
| C&I / Commercial | 5% |
| Agricultural | 1% |
| Consumer | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 26% |