Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.10% | +0.40 | 0.70% |
| Return on Equity (%) | ▲ | 9.81% | +3.24 | 6.57% |
| Net Interest Margin (%) | ▲ | 3.74% | +0.45 | 3.29% |
| Efficiency Ratio (%) | ▲ | 66.62% | -10.47 | 77.09% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.14 | $0 |
| Cost of Funds (%) | ▲ | 1.88% | -0.27 | 2.15% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $121 | +0.04 | $121 |
| Gross Loans ($M) | ▲ | $83 | +9.32 | $74 |
| Loan Growth YoY (%) | ▲ | 86.40% | +8.51 | 77.89% |
| Total Deposits ($M) | ▲ | $96 | +1.45 | $94 |
| Shareholders Equity ($M) | ▲ | $14 | +0.43 | $14 |
| Tang. Book Value ($M) | ▲ | $14 | +0.50 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +0.12 | $15 |
| Loan / Deposit Ratio (%) | ▲ | 86.40% | +8.51 | 77.89% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.13 | 0.13% |
| Allowance / Loans (%) | — | 0.94% | -0.06% | 1.00% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.15 | 0.15% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▂▁▂▄▅▆█ | Net Interest Margin (%) | 3.30% | 3.26% | 3.15% | 3.29% | 3.42% | 3.45% | 3.58% | 3.74% |
| ▁▁▁▃▅▅▇█ | Return on Assets (%) | 0.55% | 0.57% | 0.54% | 0.70% | 0.83% | 0.88% | 1.02% | 1.10% |
| ███▆▄▄▂▁ | Efficiency Ratio (%) | 82.4% | 81.5% | 81.5% | 77.1% | 74.4% | 72.9% | 69.8% | 66.6% |
| ▇█▆▅▃▂▁▁ | Cost of Funds (%) | 2.27% | 2.35% | 2.22% | 2.15% | 2.02% | 1.95% | 1.86% | 1.88% |
| ▅▁▃█▂▂▁▁ | NPA / Assets (%) | 0.08% | 0.00% | 0.04% | 0.13% | 0.03% | 0.03% | 0.00% | 0.00% |
| ▇▁▄█▁▁▁▁ | Net Charge-Off Ratio (%) | 0.13% | 0.00% | 0.06% | 0.15% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▃▁▂▃████ | Tang. Book Value ($M) | $13 | $13 | $13 | $13 | $14 | $14 | $14 | $14 |
| ▃▁▁▂▅▃▅█ | Gross Loans ($M) | $76 | $73 | $72 | $74 | $79 | $75 | $79 | $83 |
| ▃█▇▃▁██▅ | Total Deposits ($M) | $94 | $98 | $98 | $94 | $92 | $99 | $99 | $96 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 63% |
| C&I / Commercial | 8% |
| Agricultural | 27% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 12% |
| Interest-Bearing (core) | 81% |
| Brokered / Other | 7% |