Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.51% | +0.16 | 1.35% |
| Return on Equity (%) | ▼ | 21.98% | -0.11 | 22.09% |
| Net Interest Margin (%) | ▲ | 3.54% | +0.05 | 3.49% |
| Efficiency Ratio (%) | ▲ | 54.36% | -5.77 | 60.13% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.23 | $1 |
| Cost of Funds (%) | ▲ | 2.19% | -0.07 | 2.26% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $303 | +37.33 | $266 |
| Gross Loans ($M) | ▲ | $196 | +35.62 | $161 |
| Loan Growth YoY (%) | ▲ | 69.50% | +5.14 | 64.36% |
| Total Deposits ($M) | ▲ | $280 | +32.87 | $247 |
| Shareholders Equity ($M) | ▲ | $21 | +3.93 | $17 |
| Tang. Book Value ($M) | ▲ | $21 | +3.92 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $25 | +4.11 | $21 |
| Loan / Deposit Ratio (%) | ▲ | 69.50% | +5.14 | 64.36% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.30 | 0.30% |
| Allowance / Loans (%) | — | 0.80% | -0.14% | 0.94% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.50 | 0.50% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▅██▆█ | Net Interest Margin (%) | 3.40% | 3.39% | 3.40% | 3.49% | 3.54% | 3.55% | 3.50% | 3.54% |
| ▁▁▁▄▅▇██ | Return on Assets (%) | 1.28% | 1.28% | 1.26% | 1.35% | 1.41% | 1.48% | 1.48% | 1.51% |
| ███▆▅▄▁▁ | Efficiency Ratio (%) | 62.1% | 62.8% | 62.1% | 60.1% | 59.0% | 57.5% | 54.3% | 54.4% |
| ██▅▅▅▂▁▃ | Cost of Funds (%) | 2.35% | 2.35% | 2.25% | 2.26% | 2.26% | 2.18% | 2.14% | 2.19% |
| ▁▁▁██▄▂▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.01% | 0.30% | 0.27% | 0.15% | 0.05% | 0.00% |
| ▁▁▁█▇▄▂▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.02% | 0.50% | 0.42% | 0.23% | 0.07% | 0.00% |
| ▃▁▂▃▆▇▇█ | Tang. Book Value ($M) | $17 | $15 | $16 | $17 | $19 | $20 | $20 | $21 |
| ▁▁▂▃▅█▇█ | Gross Loans ($M) | $148 | $151 | $158 | $161 | $177 | $193 | $189 | $196 |
| ▁▃▁▂▄▇██ | Total Deposits ($M) | $240 | $251 | $244 | $247 | $258 | $275 | $276 | $280 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 58% |
| C&I / Commercial | 13% |
| Agricultural | 24% |
| Consumer | 1% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 13% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 22% |