Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.55% | +0.04 | 2.51% |
| Return on Equity (%) | ▲ | 34.22% | +6.08 | 28.14% |
| Net Interest Margin (%) | ▼ | 4.96% | -0.98 | 5.95% |
| Efficiency Ratio (%) | ▼ | 52.97% | +0.35 | 52.62% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.03 | $1 |
| Cost of Funds (%) | ▼ | 0.93% | +0.40 | 0.53% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $105 | +18.44 | $87 |
| Gross Loans ($M) | ▼ | $41 | -4.09 | $45 |
| Loan Growth YoY (%) | ▼ | 41.43% | -14.34 | 55.77% |
| Total Deposits ($M) | ▲ | $97 | +17.88 | $79 |
| Shareholders Equity ($M) | ▲ | $8 | +0.67 | $7 |
| Tang. Book Value ($M) | ▲ | $8 | +0.67 | $7 |
| TBV excl. AOCI ($M)** | ▲ | $10 | +1.80 | $8 |
| Loan / Deposit Ratio (%) | ▼ | 41.43% | -14.34 | 55.77% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.10% | -0.34 | 0.44% |
| Allowance / Loans (%) | — | 2.16% | -0.08% | 2.24% |
| Net Charge-Off Ratio (%) | ▲ | 0.26% | -0.59 | 0.84% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 18.30% | +2.39 | 15.91% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▇██▇▅▅▁▁ | Net Interest Margin (%) | 6.10% | 6.16% | 6.27% | 5.95% | 5.72% | 5.71% | 4.97% | 4.96% |
| ██▁▆▁▁▆▆ | Return on Assets (%) | 2.77% | 2.81% | 1.97% | 2.51% | 1.91% | 1.98% | 2.54% | 2.55% |
| ▃▃▃▁██▁▁ | Efficiency Ratio (%) | 55.7% | 55.2% | 55.0% | 52.6% | 63.6% | 63.5% | 51.6% | 53.0% |
| ▂▁▁▂▆█▆▇ | Cost of Funds (%) | 0.57% | 0.42% | 0.41% | 0.53% | 0.90% | 1.08% | 0.86% | 0.93% |
| ▂▆▄█▂▂▂▁ | NPA / Assets (%) | 0.17% | 0.33% | 0.24% | 0.44% | 0.15% | 0.15% | 0.18% | 0.10% |
| ▁▄▂█▁▁▃▁ | Net Charge-Off Ratio (%) | 0.27% | 0.54% | 0.40% | 0.84% | 0.31% | 0.32% | 0.47% | 0.26% |
| ▁▁▁▄▆███ | Tang. Book Value ($M) | $7 | $7 | $7 | $7 | $8 | $8 | $8 | $8 |
| ▇▅▅███▃▁ | Gross Loans ($M) | $45 | $44 | $44 | $45 | $46 | $45 | $43 | $41 |
| ▁▁▁▄▅▅█▇ | Total Deposits ($M) | $64 | $64 | $64 | $79 | $89 | $88 | $105 | $97 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 55% |
| C&I / Commercial | 16% |
| Agricultural | 7% |
| Consumer | 20% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 46% |
| Interest-Bearing (core) | 44% |
| Brokered / Other | 10% |