Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.41% | +0.51 | 0.90% |
| Return on Equity (%) | ▲ | 16.29% | +4.28 | 12.01% |
| Net Interest Margin (%) | ▲ | 4.55% | +0.68 | 3.87% |
| Efficiency Ratio (%) | ▲ | 66.37% | -8.07 | 74.44% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.18 | $0 |
| Cost of Funds (%) | ▲ | 0.90% | -0.23 | 1.13% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $109 | +4.01 | $105 |
| Gross Loans ($M) | ▲ | $79 | +10.73 | $68 |
| Loan Growth YoY (%) | ▲ | 87.08% | +9.93 | 77.15% |
| Total Deposits ($M) | ▲ | $89 | +2.34 | $87 |
| Shareholders Equity ($M) | ▲ | $9 | +0.87 | $8 |
| Tang. Book Value ($M) | ▲ | $9 | +0.87 | $8 |
| TBV excl. AOCI ($M)** | ▲ | $10 | +0.65 | $10 |
| Loan / Deposit Ratio (%) | ▲ | 87.08% | +9.93 | 77.15% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.40% | +0.40 | 0.00% |
| Allowance / Loans (%) | — | 1.04% | -0.09% | 1.12% |
| Net Charge-Off Ratio (%) | ▼ | 0.55% | +0.55 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.38% | -0.32 | 12.70% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▅▆██ | Net Interest Margin (%) | 3.20% | 3.29% | 3.79% | 3.87% | 4.02% | 4.09% | 4.46% | 4.55% |
| ▁▁▃▄▅▅▇█ | Return on Assets (%) | 0.54% | 0.60% | 0.82% | 0.90% | 0.99% | 0.99% | 1.19% | 1.41% |
| ██▇▆▅▅▃▁ | Efficiency Ratio (%) | 79.0% | 78.5% | 76.6% | 74.4% | 72.8% | 73.5% | 70.7% | 66.4% |
| █▆▃▅▄▃▁▁ | Cost of Funds (%) | 1.32% | 1.16% | 1.04% | 1.13% | 1.06% | 1.00% | 0.87% | 0.90% |
| ▁▁▁▁▁▁██ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.41% | 0.40% |
| ▁▁▁▁▁▁██ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.59% | 0.55% |
| ▂▁▃▄▇███ | Tang. Book Value ($M) | $8 | $7 | $8 | $8 | $9 | $9 | $9 | $9 |
| ▁▁▁▃▃▃▆█ | Gross Loans ($M) | $65 | $64 | $64 | $68 | $68 | $69 | $73 | $79 |
| ▆█▃▂▇▅▁▅ | Total Deposits ($M) | $91 | $93 | $87 | $87 | $92 | $90 | $85 | $89 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 72% |
| C&I / Commercial | 20% |
| Agricultural | 6% |
| Consumer | 1% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 33% |
| Interest-Bearing (core) | 60% |
| Brokered / Other | 7% |