Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.43% | +0.31 | 1.12% |
| Return on Equity (%) | ▼ | 19.04% | -0.53 | 19.57% |
| Net Interest Margin (%) | ▲ | 3.88% | +0.88 | 3.01% |
| Efficiency Ratio (%) | ▼ | 57.34% | +1.14 | 56.20% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.14 | $1 |
| Cost of Funds (%) | ▲ | 1.14% | -0.63 | 1.78% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $159 | -6.70 | $166 |
| Gross Loans ($M) | ▲ | $93 | +10.78 | $82 |
| Loan Growth YoY (%) | ▲ | 63.69% | +10.93 | 52.76% |
| Total Deposits ($M) | ▼ | $145 | -9.84 | $155 |
| Shareholders Equity ($M) | ▲ | $13 | +3.10 | $10 |
| Tang. Book Value ($M) | ▲ | $13 | +3.10 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +2.43 | $13 |
| Loan / Deposit Ratio (%) | ▲ | 63.69% | +10.93 | 52.76% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.44% | -0.20 | 0.64% |
| Allowance / Loans (%) | — | 1.10% | 0.03% | 1.07% |
| Net Charge-Off Ratio (%) | ▲ | 0.75% | -0.53 | 1.28% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -15.03 | 15.03% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▅▅▇█ | Net Interest Margin (%) | 2.67% | 2.60% | 2.91% | 3.01% | 3.26% | 3.33% | 3.72% | 3.88% |
| ▅▅█▆▁▂▆█ | Return on Assets (%) | 1.03% | 1.02% | 1.33% | 1.12% | 0.52% | 0.63% | 1.17% | 1.43% |
| ██▁▁▁▁▃▂ | Efficiency Ratio (%) | 70.2% | 69.2% | 55.0% | 56.2% | 55.1% | 54.5% | 59.0% | 57.3% |
| █▇█▆▃▄▂▁ | Cost of Funds (%) | 2.00% | 1.84% | 1.94% | 1.78% | 1.45% | 1.49% | 1.34% | 1.14% |
| ▁▁▁▇▃▄█▅ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.64% | 0.24% | 0.28% | 0.74% | 0.44% |
| ▁▁▁█▃▄█▅ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 1.28% | 0.48% | 0.53% | 1.40% | 0.75% |
| ▂▁▁▂▃▅▄█ | Tang. Book Value ($M) | $10 | $10 | $10 | $10 | $11 | $12 | $11 | $13 |
| ▁▃▃▄▄▇▅█ | Gross Loans ($M) | $73 | $79 | $79 | $82 | $82 | $88 | $83 | $93 |
| ▁█▅▄▄▅▃▃ | Total Deposits ($M) | $134 | $175 | $158 | $155 | $151 | $156 | $146 | $145 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 42% |
| C&I / Commercial | 24% |
| Agricultural | 29% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 78% |
| Brokered / Other | 7% |