Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.52% | +0.67 | 0.86% |
| Return on Equity (%) | ▲ | 18.00% | +6.34 | 11.66% |
| Net Interest Margin (%) | ▲ | 4.06% | +0.60 | 3.47% |
| Efficiency Ratio (%) | ▲ | 63.01% | -14.05 | 77.06% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.59 | $1 |
| Cost of Funds (%) | ▲ | 1.19% | -0.24 | 1.42% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $297 | +10.69 | $286 |
| Gross Loans ($M) | ▲ | $158 | +30.83 | $127 |
| Loan Growth YoY (%) | ▲ | 58.18% | +10.32 | 47.86% |
| Total Deposits ($M) | ▲ | $269 | +5.75 | $263 |
| Shareholders Equity ($M) | ▲ | $26 | +5.45 | $21 |
| Tang. Book Value ($M) | ▲ | $26 | +5.45 | $21 |
| TBV excl. AOCI ($M)** | ▲ | $32 | +4.61 | $27 |
| Loan / Deposit Ratio (%) | ▲ | 58.18% | +10.32 | 47.86% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.09% | +0.02 | 0.07% |
| Allowance / Loans (%) | — | 0.93% | 0.05% | 0.88% |
| Net Charge-Off Ratio (%) | ▼ | 0.17% | +0.00 | 0.16% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▄▅▇█ | Net Interest Margin (%) | 3.01% | 3.12% | 3.43% | 3.47% | 3.51% | 3.58% | 3.91% | 4.06% |
| ▁▂▁▂▂▄▇█ | Return on Assets (%) | 0.72% | 0.89% | 0.81% | 0.86% | 0.85% | 1.04% | 1.39% | 1.52% |
| ▆▅██▇▄▁▁ | Efficiency Ratio (%) | 74.1% | 71.3% | 78.4% | 77.1% | 75.9% | 70.3% | 63.7% | 63.0% |
| █▆▄▅▄▂▁▁ | Cost of Funds (%) | 1.66% | 1.48% | 1.38% | 1.42% | 1.36% | 1.27% | 1.16% | 1.19% |
| ▃▄▄▁█▆▄▂ | NPA / Assets (%) | 0.10% | 0.12% | 0.11% | 0.07% | 0.17% | 0.15% | 0.12% | 0.09% |
| ▃▅▄▁█▆▄▁ | Net Charge-Off Ratio (%) | 0.23% | 0.28% | 0.26% | 0.16% | 0.37% | 0.31% | 0.25% | 0.17% |
| ▄▁▂▁▅▇▆█ | Tang. Book Value ($M) | $23 | $21 | $22 | $21 | $24 | $25 | $25 | $26 |
| ▁▁▁▁▃▅▆█ | Gross Loans ($M) | $129 | $126 | $126 | $127 | $136 | $143 | $150 | $158 |
| ▁▁▁▁▂▃█▃ | Total Deposits ($M) | $264 | $265 | $264 | $263 | $266 | $270 | $282 | $269 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 70% |
| C&I / Commercial | 11% |
| Agricultural | 16% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 12% |