Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.04% | +0.40 | 1.64% |
| Return on Equity (%) | ▲ | 24.60% | +3.76 | 20.84% |
| Net Interest Margin (%) | ▲ | 5.12% | +0.42 | 4.70% |
| Efficiency Ratio (%) | ▲ | 56.49% | -6.90 | 63.39% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.20 | $1 |
| Cost of Funds (%) | ▲ | 1.28% | -0.14 | 1.41% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $201 | +13.56 | $188 |
| Gross Loans ($M) | ▲ | $149 | +12.12 | $137 |
| Loan Growth YoY (%) | ▲ | 80.88% | +1.34 | 79.55% |
| Total Deposits ($M) | ▲ | $182 | +12.14 | $169 |
| Shareholders Equity ($M) | ▲ | $17 | +1.21 | $15 |
| Tang. Book Value ($M) | ▲ | $15 | +1.18 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $16 | +1.22 | $15 |
| Loan / Deposit Ratio (%) | ▲ | 80.88% | +1.34 | 79.55% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.04% | -0.03 | 0.07% |
| Allowance / Loans (%) | — | 1.28% | -0.09% | 1.37% |
| Net Charge-Off Ratio (%) | ▲ | 0.06% | -0.04 | 0.10% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 12.21% | +0.01 | 12.20% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▆▇██ | Net Interest Margin (%) | 4.10% | 4.21% | 4.50% | 4.70% | 4.82% | 4.89% | 5.07% | 5.12% |
| ▁▁▃▅▆▅██ | Return on Assets (%) | 1.08% | 1.15% | 1.41% | 1.64% | 1.69% | 1.64% | 1.97% | 2.04% |
| ██▆▄▃▃▁▁ | Efficiency Ratio (%) | 73.4% | 71.6% | 67.6% | 63.4% | 61.0% | 61.8% | 56.4% | 56.5% |
| █▃▃▃▄▃▁▁ | Cost of Funds (%) | 1.66% | 1.38% | 1.39% | 1.41% | 1.42% | 1.38% | 1.30% | 1.28% |
| ▇█▇▂▁▁▁▁ | NPA / Assets (%) | 0.29% | 0.34% | 0.28% | 0.07% | 0.00% | 0.00% | 0.02% | 0.04% |
| ▇█▇▂▁▁▁▁ | Net Charge-Off Ratio (%) | 0.40% | 0.48% | 0.39% | 0.10% | 0.00% | 0.00% | 0.03% | 0.06% |
| ▂▁▂▄▆▆██ | Tang. Book Value ($M) | $13 | $13 | $13 | $14 | $14 | $14 | $15 | $15 |
| ▁▁▂▂▅▇██ | Gross Loans ($M) | $134 | $134 | $137 | $137 | $142 | $147 | $148 | $149 |
| ▁▄▅▄▄█▇█ | Total Deposits ($M) | $161 | $169 | $173 | $169 | $171 | $180 | $179 | $182 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 8% |
| Agricultural | 1% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 7% |