Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.32% | +0.73 | 1.58% |
| Return on Equity (%) | ▲ | 24.41% | +5.97 | 18.44% |
| Net Interest Margin (%) | ▲ | 4.60% | +0.26 | 4.34% |
| Efficiency Ratio (%) | ▲ | 52.53% | -2.73 | 55.25% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.12 | $1 |
| Cost of Funds (%) | ▲ | 1.18% | -0.08 | 1.25% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $199 | +19.59 | $180 |
| Gross Loans ($M) | ▲ | $133 | +11.37 | $122 |
| Loan Growth YoY (%) | ▼ | 73.14% | -0.58 | 73.72% |
| Total Deposits ($M) | ▲ | $180 | +16.73 | $164 |
| Shareholders Equity ($M) | ▲ | $19 | +2.83 | $16 |
| Tang. Book Value ($M) | ▲ | $19 | +2.83 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +3.34 | $17 |
| Loan / Deposit Ratio (%) | ▼ | 73.14% | -0.58 | 73.72% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.26% | +0.17 | 0.09% |
| Allowance / Loans (%) | — | 1.01% | -0.03% | 1.04% |
| Net Charge-Off Ratio (%) | ▼ | 0.38% | +0.25 | 0.13% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▆▇███ | Net Interest Margin (%) | 3.90% | 3.95% | 4.09% | 4.34% | 4.47% | 4.52% | 4.53% | 4.60% |
| ▁▁▃▁▃▄██ | Return on Assets (%) | 1.59% | 1.63% | 1.85% | 1.58% | 1.82% | 1.92% | 2.31% | 2.32% |
| █▇▅▃▂▃▁▁ | Efficiency Ratio (%) | 61.4% | 59.8% | 57.9% | 55.3% | 54.6% | 55.0% | 52.9% | 52.5% |
| ██▆▂▁▁▁▁ | Cost of Funds (%) | 1.49% | 1.48% | 1.38% | 1.25% | 1.20% | 1.20% | 1.18% | 1.18% |
| ▁▁▁▂▂▂█▇ | NPA / Assets (%) | 0.02% | 0.02% | 0.03% | 0.09% | 0.09% | 0.07% | 0.32% | 0.26% |
| ▁▁▁▂▂▂█▇ | Net Charge-Off Ratio (%) | 0.03% | 0.03% | 0.05% | 0.13% | 0.14% | 0.11% | 0.48% | 0.38% |
| ▁▁▃▃▅▇██ | Tang. Book Value ($M) | $15 | $15 | $16 | $16 | $17 | $18 | $19 | $19 |
| ▁▂▃▄▅▅▇█ | Gross Loans ($M) | $112 | $115 | $119 | $122 | $123 | $124 | $128 | $133 |
| ▁▁▂▁▂▄▆█ | Total Deposits ($M) | $161 | $164 | $165 | $164 | $165 | $169 | $174 | $180 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 73% |
| C&I / Commercial | 10% |
| Agricultural | 6% |
| Consumer | 11% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 55% |
| Brokered / Other | 17% |