Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.42% | +0.60 | 0.82% |
| Return on Equity (%) | ▲ | 14.96% | +5.09 | 9.87% |
| Net Interest Margin (%) | ▲ | 3.53% | +0.58 | 2.95% |
| Efficiency Ratio (%) | ▲ | 61.98% | -11.71 | 73.70% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.59 | $1 |
| Cost of Funds (%) | ▲ | 0.94% | -0.19 | 1.13% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $266 | -4.16 | $270 |
| Gross Loans ($M) | ▲ | $152 | +9.08 | $143 |
| Loan Growth YoY (%) | ▲ | 62.68% | +5.50 | 57.18% |
| Total Deposits ($M) | ▼ | $239 | -7.49 | $247 |
| Shareholders Equity ($M) | ▲ | $26 | +3.16 | $23 |
| Tang. Book Value ($M) | ▲ | $26 | +3.16 | $23 |
| TBV excl. AOCI ($M)** | ▲ | $30 | +2.58 | $27 |
| Loan / Deposit Ratio (%) | ▲ | 62.68% | +5.50 | 57.18% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.02 | 0.02% |
| Allowance / Loans (%) | — | 1.16% | 0.06% | 1.10% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.04 | 0.04% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 19.26% | +0.49 | 18.76% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▃▄▄▆█ | Net Interest Margin (%) | 2.62% | 2.67% | 2.90% | 2.95% | 2.97% | 3.05% | 3.24% | 3.53% |
| ▁▁▃▃▄▄▅█ | Return on Assets (%) | 0.50% | 0.55% | 0.75% | 0.82% | 0.88% | 0.96% | 1.06% | 1.42% |
| ██▆▅▄▄▃▁ | Efficiency Ratio (%) | 82.1% | 80.5% | 75.5% | 73.7% | 71.6% | 70.1% | 69.1% | 62.0% |
| ▆█▅▃▄▆▂▁ | Cost of Funds (%) | 1.36% | 1.53% | 1.26% | 1.13% | 1.18% | 1.32% | 1.02% | 0.94% |
| █▁▁▂▁▁▁▁ | NPA / Assets (%) | 0.12% | 0.01% | 0.01% | 0.02% | 0.01% | 0.01% | 0.00% | 0.00% |
| █▁▁▂▁▁▁▁ | Net Charge-Off Ratio (%) | 0.22% | 0.02% | 0.02% | 0.04% | 0.02% | 0.02% | 0.00% | 0.00% |
| ▁▁▂▄▅▆▇█ | Tang. Book Value ($M) | $21 | $21 | $22 | $23 | $24 | $24 | $25 | $26 |
| ▃▃▄▁▃▂▂█ | Gross Loans ($M) | $146 | $146 | $146 | $143 | $145 | $144 | $144 | $152 |
| ▆▃▁▆█▁▂▂ | Total Deposits ($M) | $247 | $239 | $235 | $247 | $253 | $235 | $238 | $239 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 91% |
| C&I / Commercial | 5% |
| Agricultural | 1% |
| Consumer | 1% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 4% |