Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.03% | +0.37 | 0.66% |
| Return on Equity (%) | ▲ | 9.77% | +2.11 | 7.66% |
| Net Interest Margin (%) | ▲ | 3.18% | +0.71 | 2.47% |
| Efficiency Ratio (%) | ▲ | 64.21% | -10.11 | 74.32% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.14 | $0 |
| Cost of Funds (%) | ▲ | 1.39% | -0.22 | 1.60% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $133 | -3.18 | $136 |
| Gross Loans ($M) | ▲ | $88 | +9.26 | $79 |
| Loan Growth YoY (%) | ▲ | 84.60% | +7.11 | 77.50% |
| Total Deposits ($M) | ▲ | $103 | +2.26 | $101 |
| Shareholders Equity ($M) | ▲ | $15 | +2.37 | $12 |
| Tang. Book Value ($M) | ▲ | $15 | +2.37 | $12 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +1.87 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 84.60% | +7.11 | 77.50% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.06% | -0.19 | 0.26% |
| Allowance / Loans (%) | — | 1.04% | 0.10% | 0.94% |
| Net Charge-Off Ratio (%) | ▲ | 0.10% | -0.34 | 0.44% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▅██ | Net Interest Margin (%) | 1.87% | 1.94% | 2.36% | 2.47% | 2.58% | 2.68% | 3.04% | 3.18% |
| ▁▁▂▄▅▆██ | Return on Assets (%) | 0.36% | 0.37% | 0.51% | 0.66% | 0.78% | 0.80% | 1.00% | 1.03% |
| ██▆▅▃▃▁▁ | Efficiency Ratio (%) | 83.2% | 82.5% | 78.3% | 74.3% | 70.9% | 69.4% | 64.6% | 64.2% |
| ▆█▃▄▂▂▁▁ | Cost of Funds (%) | 1.77% | 1.95% | 1.56% | 1.60% | 1.48% | 1.52% | 1.41% | 1.39% |
| ▇▇▇▆█▁▁▂ | NPA / Assets (%) | 0.27% | 0.28% | 0.29% | 0.26% | 0.36% | 0.00% | 0.00% | 0.06% |
| ▇▇▆▆█▁▁▂ | Net Charge-Off Ratio (%) | 0.52% | 0.48% | 0.47% | 0.44% | 0.63% | 0.00% | 0.00% | 0.10% |
| ▁▁▂▃▅▇██ | Tang. Book Value ($M) | $12 | $11 | $12 | $12 | $13 | $14 | $14 | $15 |
| ▁▂▂▃▄███ | Gross Loans ($M) | $75 | $77 | $77 | $79 | $80 | $87 | $87 | $88 |
| ▂▁▄▄█▆▇▆ | Total Deposits ($M) | $98 | $96 | $101 | $101 | $107 | $104 | $104 | $103 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 4% |
| Agricultural | 24% |
| Consumer | 4% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 14% |