Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.92% | +0.12 | 0.80% |
| Return on Equity (%) | ▲ | 7.10% | +0.29 | 6.81% |
| Net Interest Margin (%) | ▲ | 3.56% | +0.45 | 3.11% |
| Efficiency Ratio (%) | ▲ | 63.37% | -4.96 | 68.33% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.08 | $0 |
| Cost of Funds (%) | ▲ | 1.55% | -0.13 | 1.68% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $112 | +1.78 | $110 |
| Gross Loans ($M) | ▲ | $66 | +2.16 | $64 |
| Loan Growth YoY (%) | ▲ | 69.71% | +0.25 | 69.46% |
| Total Deposits ($M) | ▲ | $94 | +2.71 | $91 |
| Shareholders Equity ($M) | ▲ | $15 | +1.90 | $13 |
| Tang. Book Value ($M) | ▲ | $15 | +1.90 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $17 | +1.86 | $15 |
| Loan / Deposit Ratio (%) | ▲ | 69.71% | +0.25 | 69.46% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.24% | 0.03% | 1.21% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 18.36% | +0.88 | 17.48% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▅██ | Net Interest Margin (%) | 2.61% | 2.69% | 3.07% | 3.11% | 3.17% | 3.19% | 3.51% | 3.56% |
| ▁▂▆▆▇▆▇█ | Return on Assets (%) | 0.43% | 0.50% | 0.75% | 0.80% | 0.82% | 0.78% | 0.83% | 0.92% |
| █▇▄▃▂▁▁▁ | Efficiency Ratio (%) | 78.7% | 76.1% | 69.4% | 68.3% | 66.7% | 65.0% | 63.5% | 63.4% |
| █▅▄▅▅▂▁▁ | Cost of Funds (%) | 1.79% | 1.69% | 1.65% | 1.68% | 1.68% | 1.58% | 1.52% | 1.55% |
| █▁▁▁▁▁▁▁ | NPA / Assets (%) | 0.07% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| █▁▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.12% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▂▁▂▃▆▇██ | Tang. Book Value ($M) | $13 | $12 | $13 | $13 | $14 | $15 | $15 | $15 |
| ▁▁▄▃▄▇█▅ | Gross Loans ($M) | $61 | $62 | $65 | $64 | $65 | $68 | $70 | $66 |
| ▁▆▄▅▄█▇▆ | Total Deposits ($M) | $83 | $94 | $90 | $91 | $91 | $99 | $96 | $94 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 7% |
| Agricultural | 12% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 10% |