Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.14% | +0.52 | 1.62% |
| Return on Equity (%) | ▲ | 18.56% | +3.05 | 15.51% |
| Net Interest Margin (%) | ▲ | 3.91% | +0.42 | 3.49% |
| Efficiency Ratio (%) | ▲ | 48.19% | -4.27 | 52.46% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.45 | $2 |
| Cost of Funds (%) | ▲ | 1.80% | -0.24 | 2.04% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $422 | +9.53 | $412 |
| Gross Loans ($M) | ▲ | $322 | +9.25 | $313 |
| Loan Growth YoY (%) | ▲ | 91.57% | +2.98 | 88.59% |
| Total Deposits ($M) | ▼ | $347 | -1.45 | $349 |
| Shareholders Equity ($M) | ▲ | $50 | +6.30 | $44 |
| Tang. Book Value ($M) | ▲ | $50 | +6.30 | $44 |
| TBV excl. AOCI ($M)** | ▲ | $54 | +6.48 | $47 |
| Loan / Deposit Ratio (%) | ▲ | 91.57% | +2.98 | 88.59% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.06% | -0.16 | 0.22% |
| Allowance / Loans (%) | — | 1.27% | 0.02% | 1.25% |
| Net Charge-Off Ratio (%) | ▲ | 0.08% | -0.21 | 0.29% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▄▅██ | Net Interest Margin (%) | 3.24% | 3.26% | 3.42% | 3.49% | 3.57% | 3.64% | 3.86% | 3.91% |
| ▁▁▂▃▄▃██ | Return on Assets (%) | 1.47% | 1.38% | 1.54% | 1.62% | 1.71% | 1.65% | 2.08% | 2.14% |
| ▇█▅▄▃▅▁▁ | Efficiency Ratio (%) | 55.5% | 57.6% | 53.6% | 52.5% | 51.1% | 53.8% | 48.4% | 48.2% |
| ██▆▅▄▅▁▁ | Cost of Funds (%) | 2.22% | 2.24% | 2.13% | 2.04% | 2.00% | 2.03% | 1.85% | 1.80% |
| ▂▅█▄█▅▁▁ | NPA / Assets (%) | 0.10% | 0.26% | 0.39% | 0.22% | 0.36% | 0.25% | 0.06% | 0.06% |
| ▁▆█▅█▅▂▂ | Net Charge-Off Ratio (%) | 0.00% | 0.35% | 0.52% | 0.29% | 0.48% | 0.33% | 0.08% | 0.08% |
| ▂▁▂▃▅▇▇█ | Tang. Book Value ($M) | $43 | $41 | $43 | $44 | $46 | $48 | $48 | $50 |
| ▁▃▃▅██▅█ | Gross Loans ($M) | $293 | $303 | $303 | $313 | $323 | $325 | $313 | $322 |
| ▁▁▄▆▆▅█▆ | Total Deposits ($M) | $323 | $326 | $340 | $349 | $349 | $344 | $358 | $347 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 84% |
| C&I / Commercial | 6% |
| Agricultural | 7% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 10% |