Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.93% | +0.27 | 1.66% |
| Return on Equity (%) | ▲ | 16.29% | +1.82 | 14.47% |
| Net Interest Margin (%) | ▲ | 4.35% | +0.41 | 3.94% |
| Efficiency Ratio (%) | ▲ | 51.66% | -3.09 | 54.76% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.32 | $2 |
| Cost of Funds (%) | ▲ | 1.73% | -0.04 | 1.78% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $397 | +11.80 | $385 |
| Gross Loans ($M) | ▲ | $313 | +27.02 | $286 |
| Loan Growth YoY (%) | ▲ | 88.42% | +5.70 | 82.71% |
| Total Deposits ($M) | ▲ | $348 | +8.33 | $340 |
| Shareholders Equity ($M) | ▲ | $45 | +3.27 | $42 |
| Tang. Book Value ($M) | ▲ | $45 | +3.29 | $42 |
| TBV excl. AOCI ($M)** | ▲ | $49 | +3.69 | $45 |
| Loan / Deposit Ratio (%) | ▲ | 88.42% | +5.70 | 82.71% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.87% | +0.68 | 0.19% |
| Allowance / Loans (%) | — | 1.61% | -0.05% | 1.66% |
| Net Charge-Off Ratio (%) | ▼ | 1.10% | +0.88 | 0.22% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▄▅▇██ | Net Interest Margin (%) | 3.68% | 3.74% | 3.85% | 3.94% | 4.09% | 4.21% | 4.29% | 4.35% |
| ▁▁▄▃▅▄█▆ | Return on Assets (%) | 1.49% | 1.48% | 1.73% | 1.66% | 1.83% | 1.77% | 2.09% | 1.93% |
| ██▅▅▂▄▁▁ | Efficiency Ratio (%) | 57.5% | 58.2% | 55.4% | 54.8% | 52.6% | 53.8% | 50.8% | 51.7% |
| ██▄▃▃▃▁▂ | Cost of Funds (%) | 2.03% | 2.01% | 1.85% | 1.78% | 1.78% | 1.81% | 1.68% | 1.73% |
| ▁▄▁▁▃▄▄█ | NPA / Assets (%) | 0.21% | 0.52% | 0.23% | 0.19% | 0.42% | 0.47% | 0.52% | 0.87% |
| ▁▄▁▁▃▃▄█ | Net Charge-Off Ratio (%) | 0.20% | 0.60% | 0.26% | 0.22% | 0.53% | 0.49% | 0.63% | 1.10% |
| ▁▂▃▄▆███ | Tang. Book Value ($M) | $40 | $41 | $42 | $42 | $43 | $45 | $46 | $45 |
| ▃▃▁▂▄▆▅█ | Gross Loans ($M) | $291 | $291 | $280 | $286 | $296 | $302 | $300 | $313 |
| ▁▁▁▇▅▅▆█ | Total Deposits ($M) | $300 | $305 | $305 | $340 | $327 | $326 | $331 | $348 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 82% |
| C&I / Commercial | 8% |
| Agricultural | 4% |
| Consumer | 5% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 14% |