Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.99% | +0.87 | 1.12% |
| Return on Equity (%) | ▲ | 29.19% | +6.24 | 22.95% |
| Net Interest Margin (%) | ▲ | 3.43% | +0.37 | 3.06% |
| Efficiency Ratio (%) | ▲ | 53.33% | -10.50 | 63.83% |
| Pre-Provision Profit ($M) | ▼ | $0 | -0.02 | $0 |
| Cost of Funds (%) | ▲ | 1.24% | -0.39 | 1.64% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $101 | -11.40 | $112 |
| Gross Loans ($M) | ▲ | $62 | +5.09 | $56 |
| Loan Growth YoY (%) | ▲ | 68.95% | +13.67 | 55.28% |
| Total Deposits ($M) | ▼ | $89 | -12.93 | $102 |
| Shareholders Equity ($M) | ▲ | $7 | +1.59 | $6 |
| Tang. Book Value ($M) | ▲ | $7 | +1.59 | $6 |
| TBV excl. AOCI ($M)** | ▲ | $9 | +1.47 | $7 |
| Loan / Deposit Ratio (%) | ▲ | 68.95% | +13.67 | 55.28% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.61% | +0.61 | 0.00% |
| Allowance / Loans (%) | — | 0.51% | 0.11% | 0.40% |
| Net Charge-Off Ratio (%) | ▼ | 0.99% | +0.99 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -14.92 | 14.92% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▃▃██ | Net Interest Margin (%) | 2.88% | 2.95% | 3.01% | 3.06% | 3.07% | 3.08% | 3.37% | 3.43% |
| ▁▁▁▁▂▄█▅ | Return on Assets (%) | 0.89% | 0.98% | 1.07% | 1.12% | 1.14% | 1.81% | 2.82% | 1.99% |
| ██▇▇▆▃▁▃ | Efficiency Ratio (%) | 69.7% | 67.7% | 65.0% | 63.8% | 63.4% | 51.8% | 45.1% | 53.3% |
| █▇▆▆▆▅▂▁ | Cost of Funds (%) | 1.79% | 1.69% | 1.63% | 1.64% | 1.61% | 1.55% | 1.34% | 1.24% |
| ▁▁▁▁▁▁▁█ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.61% |
| ▁▁▁▁▁▁▁█ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.99% |
| ▃▁▂▄▆▇██ | Tang. Book Value ($M) | $6 | $5 | $5 | $6 | $7 | $7 | $7 | $7 |
| ▃▂▃▂▄▁▄█ | Gross Loans ($M) | $57 | $56 | $57 | $56 | $57 | $55 | $58 | $62 |
| ▂▅█▇█▆▂▁ | Total Deposits ($M) | $91 | $98 | $103 | $102 | $104 | $98 | $92 | $89 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 87% |
| C&I / Commercial | 10% |
| Agricultural | 1% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 76% |
| Brokered / Other | 4% |