Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.92% | +0.27 | 0.66% |
| Return on Equity (%) | ▲ | 9.50% | +2.43 | 7.07% |
| Net Interest Margin (%) | ▲ | 4.04% | +0.18 | 3.86% |
| Efficiency Ratio (%) | ▲ | 68.00% | -7.21 | 75.21% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.20 | $0 |
| Cost of Funds (%) | ▲ | 1.13% | -0.11 | 1.24% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $188 | +4.55 | $183 |
| Gross Loans ($M) | ▲ | $125 | +6.35 | $119 |
| Loan Growth YoY (%) | ▲ | 74.62% | +2.64 | 71.98% |
| Total Deposits ($M) | ▲ | $166 | +2.55 | $164 |
| Shareholders Equity ($M) | ▲ | $19 | +1.97 | $17 |
| Tang. Book Value ($M) | ▲ | $18 | +1.97 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +2.24 | $18 |
| Loan / Deposit Ratio (%) | ▲ | 74.62% | +2.64 | 71.98% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.44% | +0.23 | 0.21% |
| Allowance / Loans (%) | — | 1.20% | 0.04% | 1.15% |
| Net Charge-Off Ratio (%) | ▼ | 0.66% | +0.34 | 0.32% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▄▅▅▆█ | Net Interest Margin (%) | 3.72% | 3.76% | 3.86% | 3.86% | 3.90% | 3.91% | 3.94% | 4.04% |
| ▁▂▄▅▅▇▇█ | Return on Assets (%) | 0.35% | 0.43% | 0.58% | 0.66% | 0.68% | 0.79% | 0.81% | 0.92% |
| █▇▅▄▃▂▂▁ | Efficiency Ratio (%) | 86.7% | 83.5% | 78.8% | 75.2% | 75.0% | 71.6% | 71.2% | 68.0% |
| ▂▁▂▆█▇▁▁ | Cost of Funds (%) | 1.15% | 1.13% | 1.16% | 1.24% | 1.30% | 1.26% | 1.12% | 1.13% |
| ▅▃▁▁▇▂▃█ | NPA / Assets (%) | 0.32% | 0.26% | 0.18% | 0.21% | 0.38% | 0.23% | 0.27% | 0.44% |
| ▃▁▁▁▇▂▄█ | Net Charge-Off Ratio (%) | 0.39% | 0.32% | 0.28% | 0.32% | 0.58% | 0.34% | 0.44% | 0.66% |
| ▁▁▂▂▅▇██ | Tang. Book Value ($M) | $16 | $16 | $16 | $16 | $17 | $17 | $18 | $18 |
| ▅▅▁▃▄█▆█ | Gross Loans ($M) | $121 | $121 | $116 | $119 | $120 | $125 | $122 | $125 |
| ▁▁▄▅▄▅█▆ | Total Deposits ($M) | $149 | $152 | $159 | $164 | $161 | $163 | $175 | $166 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 10% |
| Agricultural | 10% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 8% |