Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.33% | +0.24 | 1.09% |
| Return on Equity (%) | ▲ | 12.70% | +2.18 | 10.52% |
| Net Interest Margin (%) | ▲ | 4.16% | +0.36 | 3.80% |
| Efficiency Ratio (%) | ▲ | 58.29% | -5.34 | 63.63% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.19 | $1 |
| Cost of Funds (%) | — | 1.23% | 0.00 | 1.23% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $157 | +12.27 | $145 |
| Gross Loans ($M) | ▲ | $108 | +7.43 | $101 |
| Loan Growth YoY (%) | ▼ | 79.76% | -3.22 | 82.98% |
| Total Deposits ($M) | ▲ | $134 | +14.20 | $120 |
| Shareholders Equity ($M) | ▲ | $16 | +1.13 | $15 |
| Tang. Book Value ($M) | ▲ | $16 | +1.13 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $18 | +1.43 | $17 |
| Loan / Deposit Ratio (%) | ▼ | 79.76% | -3.22 | 82.98% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.25% | +0.06 | 0.19% |
| Allowance / Loans (%) | — | 1.05% | -0.12% | 1.17% |
| Net Charge-Off Ratio (%) | ▼ | 0.22% | +0.09 | 0.13% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▅▆▆██ | Net Interest Margin (%) | 3.25% | 3.32% | 3.72% | 3.80% | 3.87% | 3.91% | 4.10% | 4.16% |
| ▁▁▃▄▅▅▆█ | Return on Assets (%) | 0.90% | 0.93% | 1.05% | 1.09% | 1.12% | 1.16% | 1.19% | 1.33% |
| █▇█▆▅▄▃▁ | Efficiency Ratio (%) | 65.8% | 64.7% | 65.1% | 63.6% | 62.9% | 61.8% | 61.0% | 58.3% |
| █▅▃▂▂▂▁▂ | Cost of Funds (%) | 1.51% | 1.38% | 1.27% | 1.23% | 1.24% | 1.26% | 1.19% | 1.23% |
| ▁▅▁▁▁▅▁█ | NPA / Assets (%) | 0.19% | 0.23% | 0.19% | 0.19% | 0.19% | 0.22% | 0.19% | 0.25% |
| ▁▅▁▁▁▄▂█ | Net Charge-Off Ratio (%) | 0.13% | 0.18% | 0.13% | 0.13% | 0.13% | 0.17% | 0.14% | 0.22% |
| ▁▁▁▃▆█▇█ | Tang. Book Value ($M) | $15 | $15 | $15 | $15 | $16 | $16 | $16 | $16 |
| ▁▂▁▃▃▆▇█ | Gross Loans ($M) | $97 | $99 | $98 | $101 | $101 | $104 | $106 | $108 |
| ▁▃▁▃▄▄██ | Total Deposits ($M) | $114 | $120 | $115 | $120 | $123 | $122 | $132 | $134 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 7% |
| Agricultural | 11% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 31% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 3% |