Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.60% | +0.56 | 1.03% |
| Return on Equity (%) | ▲ | 17.04% | +3.48 | 13.56% |
| Net Interest Margin (%) | ▲ | 4.11% | +0.28 | 3.83% |
| Efficiency Ratio (%) | ▼ | 70.05% | +1.02 | 69.03% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.05 | $1 |
| Cost of Funds (%) | ▲ | 2.18% | -0.16 | 2.34% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $195 | +5.26 | $190 |
| Gross Loans ($M) | ▲ | $139 | +15.37 | $124 |
| Loan Growth YoY (%) | ▲ | 78.31% | +7.99 | 70.32% |
| Total Deposits ($M) | ▲ | $175 | +0.96 | $174 |
| Shareholders Equity ($M) | ▲ | $19 | +4.20 | $15 |
| Tang. Book Value ($M) | ▲ | $19 | +4.20 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +3.45 | $17 |
| Loan / Deposit Ratio (%) | ▲ | 78.31% | +7.99 | 70.32% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.10 | 0.11% |
| Allowance / Loans (%) | — | 1.58% | 0.37% | 1.21% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.16 | 0.17% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.74% | +0.77 | 12.97% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▄██ | Net Interest Margin (%) | 3.38% | 3.39% | 3.77% | 3.83% | 3.79% | 3.68% | 4.15% | 4.11% |
| ▅▅▆▆▆▁█▇ | Return on Assets (%) | 0.78% | 0.70% | 1.09% | 1.03% | 1.03% | -1.20% | 2.16% | 1.60% |
| ▇█▁▂▃▅▂▃ | Efficiency Ratio (%) | 76.6% | 79.3% | 66.0% | 69.0% | 69.5% | 74.1% | 68.4% | 70.0% |
| █▆▄▂▁▂▁▁ | Cost of Funds (%) | 2.92% | 2.65% | 2.47% | 2.34% | 2.23% | 2.36% | 2.19% | 2.18% |
| ▄█▆▃▂█▄▁ | NPA / Assets (%) | 0.16% | 0.38% | 0.30% | 0.11% | 0.09% | 0.41% | 0.20% | 0.00% |
| ▄█▇▃▃▇▃▁ | Net Charge-Off Ratio (%) | 0.26% | 0.56% | 0.45% | 0.17% | 0.15% | 0.44% | 0.17% | 0.00% |
| ▂▁▂▂▄▆██ | Tang. Book Value ($M) | $15 | $14 | $15 | $15 | $17 | $18 | $19 | $19 |
| ▁▅▄▃▆█▇▇ | Gross Loans ($M) | $114 | $130 | $127 | $124 | $135 | $143 | $139 | $139 |
| ▁▃▃▂█▃▄▂ | Total Deposits ($M) | $169 | $175 | $176 | $174 | $194 | $178 | $181 | $175 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 50% |
| C&I / Commercial | 26% |
| Agricultural | 19% |
| Consumer | 4% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 10% |
| Interest-Bearing (core) | 58% |
| Brokered / Other | 33% |