Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.92% | +0.10 | 1.81% |
| Return on Equity (%) | ▲ | 16.64% | +0.45 | 16.19% |
| Net Interest Margin (%) | ▲ | 4.64% | +0.14 | 4.50% |
| Efficiency Ratio (%) | ▲ | 48.12% | -0.23 | 48.35% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.13 | $2 |
| Cost of Funds (%) | ▲ | 1.09% | -0.12 | 1.21% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $261 | +3.24 | $258 |
| Gross Loans ($M) | ▲ | $187 | +10.48 | $176 |
| Loan Growth YoY (%) | ▲ | 80.87% | +3.89 | 76.98% |
| Total Deposits ($M) | ▲ | $228 | +2.08 | $226 |
| Shareholders Equity ($M) | ▲ | $31 | +1.31 | $30 |
| Tang. Book Value ($M) | ▲ | $31 | +1.31 | $30 |
| TBV excl. AOCI ($M)** | ▲ | $33 | +1.82 | $31 |
| Loan / Deposit Ratio (%) | ▲ | 80.87% | +3.89 | 76.98% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.33% | -0.07% | 1.40% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 16.96% | -0.05 | 17.01% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▄▁▅▆▇▅█ | Net Interest Margin (%) | 4.45% | 4.47% | 4.35% | 4.50% | 4.56% | 4.59% | 4.53% | 4.64% |
| ▃▅▁▃▆█▅█ | Return on Assets (%) | 1.80% | 1.84% | 1.75% | 1.81% | 1.87% | 1.92% | 1.84% | 1.92% |
| ▅█▂▂▇▁▃▁ | Efficiency Ratio (%) | 49.0% | 49.9% | 48.4% | 48.3% | 49.5% | 48.0% | 48.7% | 48.1% |
| █▆▃▃▂▂▁▁ | Cost of Funds (%) | 1.57% | 1.40% | 1.20% | 1.21% | 1.17% | 1.15% | 1.07% | 1.09% |
| ▁▁▁▁█▆▆▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.53% | 0.36% | 0.37% | 0.00% |
| ▁▁▁▁█▆▇▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.72% | 0.53% | 0.55% | 0.00% |
| ▂▁▂▃▅▇▇█ | Tang. Book Value ($M) | $30 | $30 | $30 | $30 | $31 | $31 | $31 | $31 |
| ▁▁▁▃█▆▅▆ | Gross Loans ($M) | $169 | $170 | $169 | $176 | $193 | $187 | $181 | $187 |
| ▁▄▅▁▂█▅▁ | Total Deposits ($M) | $225 | $236 | $239 | $226 | $230 | $247 | $239 | $228 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 20% |
| Agricultural | 2% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 34% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 6% |