Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.27% | +0.34 | 0.93% |
| Return on Equity (%) | ▲ | 16.20% | +4.15 | 12.05% |
| Net Interest Margin (%) | ▲ | 4.57% | +0.49 | 4.09% |
| Efficiency Ratio (%) | ▲ | 61.44% | -9.81 | 71.25% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.27 | $0 |
| Cost of Funds (%) | ▲ | 2.22% | -0.10 | 2.33% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $128 | +11.77 | $117 |
| Gross Loans ($M) | ▲ | $104 | +12.64 | $91 |
| Loan Growth YoY (%) | ▲ | 87.20% | +3.26 | 83.94% |
| Total Deposits ($M) | ▲ | $118 | +10.55 | $107 |
| Shareholders Equity ($M) | ▲ | $10 | +1.08 | $9 |
| Tang. Book Value ($M) | ▲ | $10 | +1.08 | $9 |
| Loan / Deposit Ratio (%) | ▲ | 87.20% | +3.26 | 83.94% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.58% | -0.07 | 0.65% |
| Allowance / Loans (%) | — | 1.13% | -0.21% | 1.34% |
| Net Charge-Off Ratio (%) | ▲ | 0.72% | -0.12 | 0.83% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 10.96% | +10.96 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▂▁▁▃▄▇█ | Net Interest Margin (%) | 4.11% | 4.16% | 4.04% | 4.09% | 4.18% | 4.26% | 4.46% | 4.57% |
| ▁▂▁▂▃▄▅█ | Return on Assets (%) | 0.88% | 0.93% | 0.87% | 0.93% | 1.02% | 1.04% | 1.10% | 1.27% |
| ▇▆█▇▅▅▃▁ | Efficiency Ratio (%) | 71.4% | 70.4% | 73.7% | 71.3% | 68.5% | 68.4% | 65.8% | 61.4% |
| ▁▁▇███▂▃ | Cost of Funds (%) | 2.17% | 2.19% | 2.31% | 2.33% | 2.34% | 2.35% | 2.21% | 2.22% |
| ▆▂▁▅▁▁█▄ | NPA / Assets (%) | 0.74% | 0.42% | 0.40% | 0.65% | 0.40% | 0.34% | 0.88% | 0.58% |
| ▇▂▂▅▂▁█▄ | Net Charge-Off Ratio (%) | 0.96% | 0.53% | 0.53% | 0.83% | 0.52% | 0.42% | 1.11% | 0.72% |
| ▃▁▃▄▆▆▇█ | Tang. Book Value ($M) | $9 | $8 | $9 | $9 | $10 | $10 | $10 | $10 |
| ▁▁▁▃▄▆▇█ | Gross Loans ($M) | $84 | $84 | $86 | $91 | $94 | $98 | $100 | $104 |
| ▁▁▃▄▆▆██ | Total Deposits ($M) | $100 | $99 | $105 | $107 | $112 | $112 | $116 | $118 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 78% |
| C&I / Commercial | 15% |
| Agricultural | 2% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 18% |