Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.94% | +0.07 | 0.87% |
| Return on Equity (%) | ▼ | 15.43% | -2.97 | 18.40% |
| Net Interest Margin (%) | ▲ | 2.99% | +0.03 | 2.96% |
| Efficiency Ratio (%) | ▲ | 68.28% | -4.87 | 73.15% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.08 | $0 |
| Cost of Funds (%) | ▲ | 1.71% | -0.02 | 1.73% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $173 | +20.48 | $152 |
| Gross Loans ($M) | ▲ | $54 | +4.78 | $49 |
| Loan Growth YoY (%) | ▼ | 34.13% | -0.08 | 34.21% |
| Total Deposits ($M) | ▲ | $157 | +14.48 | $142 |
| Shareholders Equity ($M) | ▲ | $10 | +3.06 | $7 |
| Tang. Book Value ($M) | ▲ | $10 | +3.06 | $7 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +3.06 | $12 |
| Loan / Deposit Ratio (%) | ▼ | 34.13% | -0.08 | 34.21% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.06% | +0.03 | 0.02% |
| Allowance / Loans (%) | — | 0.64% | -0.15% | 0.79% |
| Net Charge-Off Ratio (%) | ▼ | 0.18% | +0.10 | 0.07% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -28.63 | 28.63% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄██▇▇█ | Net Interest Margin (%) | 2.63% | 2.67% | 2.81% | 2.96% | 2.96% | 2.94% | 2.93% | 2.99% |
| ▁▂▄▇▇█▇█ | Return on Assets (%) | 0.57% | 0.65% | 0.72% | 0.87% | 0.86% | 0.95% | 0.90% | 0.94% |
| █▇▆▄▄▂▂▁ | Efficiency Ratio (%) | 80.5% | 78.3% | 76.6% | 73.2% | 73.2% | 70.7% | 69.8% | 68.3% |
| █▅▂▂▁▂▁▁ | Cost of Funds (%) | 2.18% | 1.93% | 1.74% | 1.73% | 1.65% | 1.72% | 1.66% | 1.71% |
| ▅▁█▂▅▆▇▅ | NPA / Assets (%) | 0.05% | 0.00% | 0.10% | 0.02% | 0.06% | 0.07% | 0.08% | 0.06% |
| ▅▁█▂▅▆▆▅ | Net Charge-Off Ratio (%) | 0.17% | 0.01% | 0.33% | 0.07% | 0.19% | 0.24% | 0.25% | 0.18% |
| ▅▁▂▁▇█▇█ | Tang. Book Value ($M) | $9 | $7 | $8 | $7 | $10 | $11 | $10 | $10 |
| ▁▁▂▄▃▆██ | Gross Loans ($M) | $45 | $46 | $47 | $49 | $48 | $51 | $53 | $54 |
| ▁▃▅▃▄▆▆█ | Total Deposits ($M) | $137 | $143 | $147 | $142 | $145 | $152 | $151 | $157 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 72% |
| C&I / Commercial | 6% |
| Agricultural | 4% |
| Consumer | 16% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 77% |
| Brokered / Other | 4% |