Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.19% | +0.38 | 1.81% |
| Return on Equity (%) | ▲ | 26.08% | +4.23 | 21.85% |
| Net Interest Margin (%) | ▲ | 4.55% | +0.43 | 4.12% |
| Efficiency Ratio (%) | ▲ | 52.55% | -5.08 | 57.63% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.25 | $1 |
| Cost of Funds (%) | ▼ | 0.65% | +0.15 | 0.50% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $203 | +4.56 | $198 |
| Gross Loans ($M) | ▲ | $112 | +3.54 | $108 |
| Loan Growth YoY (%) | ▼ | 60.86% | -0.59 | 61.46% |
| Total Deposits ($M) | ▲ | $182 | +7.47 | $175 |
| Shareholders Equity ($M) | ▲ | $17 | +0.76 | $16 |
| Tang. Book Value ($M) | ▲ | $17 | +0.76 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +0.79 | $21 |
| Loan / Deposit Ratio (%) | ▼ | 60.86% | -0.59 | 61.46% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.11 | 0.12% |
| Allowance / Loans (%) | — | 0.73% | -0.00% | 0.73% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.02 | 0.02% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 17.17% | +0.35 | 16.82% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▅▅▆▇█ | Net Interest Margin (%) | 3.57% | 3.63% | 3.98% | 4.12% | 4.16% | 4.24% | 4.40% | 4.55% |
| ▁▇▄▅▅▄▇█ | Return on Assets (%) | 1.27% | 2.00% | 1.71% | 1.81% | 1.79% | 1.65% | 2.03% | 2.19% |
| █▃▄▄▄▆▂▁ | Efficiency Ratio (%) | 65.9% | 56.3% | 58.8% | 57.6% | 58.6% | 62.3% | 54.6% | 52.6% |
| ▃▁▁▂▄▃▇█ | Cost of Funds (%) | 0.52% | 0.49% | 0.47% | 0.50% | 0.54% | 0.52% | 0.61% | 0.65% |
| █████▇▇▁ | NPA / Assets (%) | 0.11% | 0.11% | 0.11% | 0.12% | 0.12% | 0.10% | 0.10% | 0.00% |
| ██▁▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.20% | 0.21% | 0.02% | 0.02% | 0.02% | 0.00% | 0.00% | 0.00% |
| ▁█▂▂▃▄▇▆ | Tang. Book Value ($M) | $16 | $18 | $16 | $16 | $17 | $17 | $17 | $17 |
| █▅▁▂▁▄▆▇ | Gross Loans ($M) | $113 | $111 | $107 | $108 | $107 | $109 | $111 | $112 |
| ▅█▇▁▁▅█▅ | Total Deposits ($M) | $183 | $190 | $187 | $175 | $173 | $183 | $189 | $182 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 93% |
| C&I / Commercial | 5% |
| Agricultural | 1% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 2% |