Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.33% | +0.23 | 1.10% |
| Return on Equity (%) | ▼ | 17.69% | -1.60 | 19.29% |
| Net Interest Margin (%) | ▲ | 3.62% | +0.11 | 3.51% |
| Efficiency Ratio (%) | ▲ | 65.12% | -4.11 | 69.22% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.09 | $0 |
| Cost of Funds (%) | ▲ | 0.90% | -0.11 | 1.01% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $187 | +8.25 | $179 |
| Gross Loans ($M) | ▲ | $83 | +2.37 | $80 |
| Loan Growth YoY (%) | ▼ | 47.37% | -0.01 | 47.38% |
| Total Deposits ($M) | ▲ | $172 | +4.77 | $168 |
| Shareholders Equity ($M) | ▲ | $14 | +3.49 | $10 |
| Tang. Book Value ($M) | ▲ | $14 | +3.49 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $18 | +3.96 | $14 |
| Loan / Deposit Ratio (%) | ▼ | 47.37% | -0.01 | 47.38% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.19% | -0.24 | 0.43% |
| Allowance / Loans (%) | — | 1.28% | 0.12% | 1.16% |
| Net Charge-Off Ratio (%) | ▲ | 0.42% | -0.40 | 0.82% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▆▆▇▇██ | Net Interest Margin (%) | 3.10% | 3.14% | 3.50% | 3.51% | 3.54% | 3.54% | 3.65% | 3.62% |
| ▁▁▅▅▅▅█▇ | Return on Assets (%) | 0.72% | 0.76% | 1.09% | 1.10% | 1.14% | 1.12% | 1.42% | 1.33% |
| ██▄▄▃▃▁▁ | Efficiency Ratio (%) | 76.7% | 76.2% | 68.5% | 69.2% | 68.0% | 68.2% | 63.5% | 65.1% |
| ▇██▄▃▃▁▁ | Cost of Funds (%) | 1.10% | 1.14% | 1.15% | 1.01% | 0.97% | 0.96% | 0.89% | 0.90% |
| █▇▅▅▃▁▁▁ | NPA / Assets (%) | 0.57% | 0.50% | 0.42% | 0.43% | 0.28% | 0.23% | 0.22% | 0.19% |
| █▅▄▅▁▁▁▁ | Net Charge-Off Ratio (%) | 1.19% | 0.88% | 0.73% | 0.82% | 0.51% | 0.46% | 0.44% | 0.42% |
| ▅▁▂▃▇███ | Tang. Book Value ($M) | $12 | $9 | $10 | $10 | $13 | $14 | $14 | $14 |
| ▂▅▅▁▁▇█▂ | Gross Loans ($M) | $83 | $87 | $87 | $80 | $82 | $91 | $93 | $83 |
| ▂▁▂▆▆▅▇█ | Total Deposits ($M) | $157 | $155 | $159 | $168 | $168 | $164 | $170 | $172 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 70% |
| C&I / Commercial | 4% |
| Agricultural | 19% |
| Consumer | 3% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 32% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 7% |