Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.66% | +0.27 | 0.39% |
| Return on Equity (%) | ▲ | 9.42% | +3.04 | 6.38% |
| Net Interest Margin (%) | ▲ | 3.37% | +0.37 | 3.01% |
| Efficiency Ratio (%) | ▲ | 77.00% | -9.35 | 86.35% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.32 | $0 |
| Cost of Funds (%) | ▲ | 1.50% | -0.05 | 1.55% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $300 | +10.43 | $290 |
| Gross Loans ($M) | ▲ | $202 | +22.01 | $180 |
| Loan Growth YoY (%) | ▲ | 79.55% | +8.05 | 71.49% |
| Total Deposits ($M) | ▲ | $251 | +2.08 | $249 |
| Shareholders Equity ($M) | ▲ | $22 | +2.43 | $19 |
| Tang. Book Value ($M) | ▲ | $22 | +2.43 | $19 |
| TBV excl. AOCI ($M)** | ▲ | $26 | +2.50 | $24 |
| Loan / Deposit Ratio (%) | ▲ | 79.55% | +8.05 | 71.49% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.01 | 0.01% |
| Allowance / Loans (%) | — | 1.14% | 0.04% | 1.10% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.02 | 0.02% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 14.06% | -0.62 | 14.68% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▄▅██ | Net Interest Margin (%) | 2.74% | 2.80% | 2.92% | 3.01% | 3.05% | 3.12% | 3.30% | 3.37% |
| ▁▁▂▃▄▅▇█ | Return on Assets (%) | 0.24% | 0.29% | 0.30% | 0.39% | 0.44% | 0.48% | 0.57% | 0.66% |
| ███▆▅▄▃▁ | Efficiency Ratio (%) | 91.1% | 89.6% | 89.4% | 86.3% | 85.1% | 83.2% | 80.6% | 77.0% |
| █▇▄▄▂▁▂▁ | Cost of Funds (%) | 1.61% | 1.58% | 1.54% | 1.55% | 1.52% | 1.50% | 1.52% | 1.50% |
| ▄▃▃█▆▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.01% | 0.01% | 0.00% | 0.00% | 0.00% |
| ▄▄▃█▆▁▁▁ | Net Charge-Off Ratio (%) | 0.01% | 0.01% | 0.01% | 0.02% | 0.01% | 0.00% | 0.00% | 0.00% |
| ▃▁▂▅▇█▇█ | Tang. Book Value ($M) | $18 | $16 | $17 | $19 | $21 | $21 | $21 | $22 |
| ▁▁▁▂▄▄▇█ | Gross Loans ($M) | $173 | $173 | $176 | $180 | $185 | $187 | $197 | $202 |
| ▁▃▅▅███▆ | Total Deposits ($M) | $234 | $244 | $249 | $249 | $257 | $260 | $257 | $251 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 77% |
| C&I / Commercial | 6% |
| Agricultural | 11% |
| Consumer | 3% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 66% |
| Brokered / Other | 5% |