Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.90% | +0.02 | 0.88% |
| Return on Equity (%) | ▼ | 7.97% | -0.63 | 8.60% |
| Net Interest Margin (%) | ▼ | 4.37% | -0.05 | 4.42% |
| Efficiency Ratio (%) | ▲ | 67.87% | -1.80 | 69.67% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.09 | $0 |
| Cost of Funds (%) | ▲ | 2.31% | -0.36 | 2.67% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $140 | +36.10 | $104 |
| Gross Loans ($M) | ▲ | $122 | +30.53 | $92 |
| Loan Growth YoY (%) | ▲ | 99.82% | +1.44 | 98.38% |
| Total Deposits ($M) | ▲ | $121 | +29.06 | $92 |
| Shareholders Equity ($M) | ▲ | $15 | +4.08 | $10 |
| Tang. Book Value ($M) | ▲ | $15 | +4.08 | $10 |
| Loan / Deposit Ratio (%) | ▲ | 99.82% | +1.44 | 98.38% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.28% | -0.03 | 0.31% |
| Allowance / Loans (%) | — | 1.09% | -0.15% | 1.24% |
| Net Charge-Off Ratio (%) | ▲ | 0.32% | -0.03 | 0.35% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▆▁▄▆▆▃▃ | Net Interest Margin (%) | 4.61% | 4.50% | 4.28% | 4.42% | 4.49% | 4.51% | 4.39% | 4.37% |
| ▁▁▂▅▇█▆▅ | Return on Assets (%) | 0.74% | 0.70% | 0.77% | 0.88% | 0.99% | 1.04% | 0.94% | 0.90% |
| ██▅▄▂▁▂▂ | Efficiency Ratio (%) | 75.0% | 76.1% | 71.9% | 69.7% | 66.9% | 65.4% | 67.3% | 67.9% |
| ▆▇▅█▆▅▁▁ | Cost of Funds (%) | 2.58% | 2.60% | 2.53% | 2.67% | 2.56% | 2.50% | 2.36% | 2.31% |
| ██▇▁▁▃▁▁ | NPA / Assets (%) | 1.46% | 1.43% | 1.26% | 0.31% | 0.29% | 0.59% | 0.37% | 0.28% |
| ▄▃▂▁▁█▃▁ | Net Charge-Off Ratio (%) | 0.47% | 0.42% | 0.38% | 0.35% | 0.34% | 0.68% | 0.43% | 0.32% |
| ▁▁▁▂▃███ | Tang. Book Value ($M) | $10 | $10 | $10 | $10 | $11 | $14 | $14 | $15 |
| ▁▁▂▃▄▅▆█ | Gross Loans ($M) | $76 | $81 | $87 | $92 | $94 | $100 | $108 | $122 |
| ▁▁▄▄▄▅▆█ | Total Deposits ($M) | $73 | $74 | $93 | $92 | $94 | $100 | $105 | $121 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 72% |
| C&I / Commercial | 19% |
| Agricultural | 7% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 43% |
| Brokered / Other | 36% |