Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.51% | +0.35 | 1.16% |
| Return on Equity (%) | ▲ | 15.94% | +2.87 | 13.07% |
| Net Interest Margin (%) | ▲ | 4.17% | +0.31 | 3.86% |
| Efficiency Ratio (%) | ▲ | 61.33% | -6.02 | 67.35% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.24 | $1 |
| Cost of Funds (%) | ▲ | 1.69% | -0.20 | 1.89% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $257 | +12.09 | $245 |
| Gross Loans ($M) | ▲ | $204 | +11.83 | $193 |
| Loan Growth YoY (%) | ▲ | 87.10% | +1.21 | 85.89% |
| Total Deposits ($M) | ▲ | $232 | +10.39 | $222 |
| Shareholders Equity ($M) | ▲ | $24 | +2.12 | $22 |
| Tang. Book Value ($M) | ▲ | $21 | +2.16 | $19 |
| TBV excl. AOCI ($M)** | ▲ | $23 | +2.30 | $20 |
| Loan / Deposit Ratio (%) | ▲ | 87.10% | +1.21 | 85.89% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.02% | -0.01 | 0.03% |
| Allowance / Loans (%) | — | 1.14% | -0.02% | 1.17% |
| Net Charge-Off Ratio (%) | ▲ | 0.02% | -0.01 | 0.03% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -11.67 | 11.67% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▆██ | Net Interest Margin (%) | 3.54% | 3.57% | 3.78% | 3.86% | 3.94% | 4.01% | 4.11% | 4.17% |
| ▁▁▄▄▅▅██ | Return on Assets (%) | 0.90% | 0.85% | 1.14% | 1.16% | 1.22% | 1.23% | 1.51% | 1.51% |
| ██▅▅▅▄▁▁ | Efficiency Ratio (%) | 70.5% | 71.8% | 67.3% | 67.3% | 66.4% | 66.1% | 60.6% | 61.3% |
| ██▆▆▆▄▁▁ | Cost of Funds (%) | 2.01% | 2.01% | 1.90% | 1.89% | 1.90% | 1.82% | 1.65% | 1.69% |
| ▁███▇▇▆▆ | NPA / Assets (%) | 0.00% | 0.02% | 0.02% | 0.03% | 0.02% | 0.02% | 0.02% | 0.02% |
| ▁███▇▇▆▅ | Net Charge-Off Ratio (%) | 0.00% | 0.03% | 0.03% | 0.03% | 0.03% | 0.03% | 0.02% | 0.02% |
| ▃▁▃▃▆▇██ | Tang. Book Value ($M) | $19 | $18 | $19 | $19 | $20 | $21 | $21 | $21 |
| ▁▇▃▁▃▆▆█ | Gross Loans ($M) | $192 | $202 | $195 | $193 | $196 | $200 | $200 | $204 |
| ▁▁▄▄▃▃█▇ | Total Deposits ($M) | $212 | $212 | $222 | $222 | $219 | $220 | $236 | $232 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 67% |
| C&I / Commercial | 10% |
| Agricultural | 21% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 9% |