Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.61% | +1.39 | 0.21% |
| Return on Equity (%) | ▲ | 9.13% | +7.95 | 1.18% |
| Net Interest Margin (%) | ▲ | 4.66% | +4.23 | 0.43% |
| Efficiency Ratio (%) | ▼ | 59.70% | +4.63 | 55.06% |
| Pre-Provision Profit ($M) | ▲ | $1 | +1.06 | $-0 |
| Cost of Funds (%) | ▼ | 0.97% | +2.46 | -1.50% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $148 | +62.02 | $86 |
| Gross Loans ($M) | ▲ | $77 | +31.75 | $45 |
| Loan Growth YoY (%) | ▼ | 62.44% | -8.13 | 70.57% |
| Total Deposits ($M) | ▲ | $122 | +59.22 | $63 |
| Shareholders Equity ($M) | ▲ | $26 | +2.77 | $23 |
| Tang. Book Value ($M) | ▲ | $22 | +3.66 | $19 |
| Loan / Deposit Ratio (%) | ▼ | 62.44% | -8.13 | 70.57% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.63% | -0.76% | 1.38% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 33.25% | -8.82 | 42.07% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ███▁▄▅▇█ | Net Interest Margin (%) | 4.44% | 4.42% | 4.97% | 0.43% | 2.33% | 3.11% | 4.36% | 4.66% |
| █▇█▁▄▅▄▅ | Return on Assets (%) | 2.53% | 2.37% | 2.70% | 0.21% | 1.37% | 1.71% | 1.35% | 1.61% |
| ▃▄▃▆▁▂██ | Efficiency Ratio (%) | 46.6% | 48.4% | 46.2% | 55.1% | 39.2% | 42.9% | 62.5% | 59.7% |
| ███▁▆▆▅▅ | Cost of Funds (%) | 2.70% | 2.38% | 2.25% | -1.50% | 1.20% | 1.25% | 1.01% | 0.97% |
| ██▁▁▁▁▁▁ | NPA / Assets (%) | 1.46% | 1.42% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ██▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 2.03% | 2.06% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▁▁▆▇███ | Tang. Book Value ($M) | $9 | $9 | $9 | $19 | $20 | $21 | $22 | $22 |
| ▁▁▁▁▁▄▇█ | Gross Loans ($M) | $47 | $46 | $44 | $45 | $47 | $56 | $70 | $77 |
| ▁▁▁▁▇▇██ | Total Deposits ($M) | $55 | $57 | $62 | $63 | $112 | $109 | $121 | $122 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 84% |
| C&I / Commercial | 1% |
| Agricultural | 14% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 60% |
| Interest-Bearing (core) | 28% |
| Brokered / Other | 12% |