Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.55% | +0.35 | 1.20% |
| Return on Equity (%) | ▲ | 19.60% | +2.16 | 17.44% |
| Net Interest Margin (%) | ▲ | 4.26% | +0.29 | 3.97% |
| Efficiency Ratio (%) | ▲ | 63.10% | -4.46 | 67.56% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.19 | $1 |
| Cost of Funds (%) | ▲ | 1.44% | -0.22 | 1.66% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $262 | +16.69 | $246 |
| Gross Loans ($M) | ▲ | $169 | +19.28 | $150 |
| Loan Growth YoY (%) | ▲ | 71.06% | +4.29 | 66.77% |
| Total Deposits ($M) | ▲ | $234 | +13.45 | $221 |
| Shareholders Equity ($M) | ▲ | $21 | +3.62 | $17 |
| Tang. Book Value ($M) | ▲ | $21 | +3.62 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $25 | +3.77 | $21 |
| Loan / Deposit Ratio (%) | ▲ | 71.06% | +4.29 | 66.77% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.47% | +0.35 | 0.12% |
| Allowance / Loans (%) | — | 1.36% | -0.01% | 1.36% |
| Net Charge-Off Ratio (%) | ▼ | 0.31% | +0.12 | 0.19% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▆▆▇██ | Net Interest Margin (%) | 3.46% | 3.58% | 3.87% | 3.97% | 4.05% | 4.12% | 4.23% | 4.26% |
| ▁▁▆▅▆▆██ | Return on Assets (%) | 0.79% | 0.68% | 1.24% | 1.20% | 1.25% | 1.24% | 1.53% | 1.55% |
| ██▃▃▂▂▁▁ | Efficiency Ratio (%) | 77.9% | 77.5% | 68.2% | 67.6% | 66.3% | 66.4% | 63.0% | 63.1% |
| █▇▄▄▃▁▁▁ | Cost of Funds (%) | 1.89% | 1.81% | 1.64% | 1.66% | 1.57% | 1.48% | 1.47% | 1.44% |
| ▁▁▁▂▂███ | NPA / Assets (%) | 0.01% | 0.00% | 0.02% | 0.12% | 0.11% | 0.48% | 0.51% | 0.47% |
| ▁▁▁▂▂██▄ | Net Charge-Off Ratio (%) | 0.02% | 0.00% | 0.03% | 0.19% | 0.18% | 0.75% | 0.77% | 0.31% |
| ▄▁▃▃▆▇▇█ | Tang. Book Value ($M) | $18 | $16 | $17 | $17 | $19 | $20 | $20 | $21 |
| ▁▁▂▃▄▇▇█ | Gross Loans ($M) | $139 | $143 | $145 | $150 | $153 | $162 | $162 | $169 |
| ▁▁▄▅▆▆▇█ | Total Deposits ($M) | $207 | $210 | $220 | $221 | $226 | $227 | $230 | $234 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 13% |
| Agricultural | 12% |
| Consumer | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 26% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 8% |