Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.14% | +0.20 | 1.94% |
| Return on Equity (%) | ▲ | 17.27% | +0.68 | 16.59% |
| Net Interest Margin (%) | ▲ | 5.25% | +0.33 | 4.92% |
| Efficiency Ratio (%) | ▲ | 58.31% | -1.89 | 60.20% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.09 | $1 |
| Cost of Funds (%) | ▲ | 1.44% | -0.04 | 1.47% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $124 | +0.93 | $123 |
| Gross Loans ($M) | ▲ | $82 | +2.69 | $79 |
| Loan Growth YoY (%) | ▲ | 74.63% | +2.65 | 71.98% |
| Total Deposits ($M) | ▼ | $107 | -0.34 | $108 |
| Shareholders Equity ($M) | ▲ | $16 | +1.30 | $15 |
| Tang. Book Value ($M) | ▲ | $16 | +1.30 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $18 | +1.30 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 74.63% | +2.65 | 71.98% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.58% | +0.55 | 0.04% |
| Allowance / Loans (%) | — | 2.34% | 0.03% | 2.31% |
| Net Charge-Off Ratio (%) | ▼ | 0.88% | +0.82 | 0.06% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▁▂▅▆▇█ | Net Interest Margin (%) | 4.82% | 4.89% | 4.83% | 4.92% | 5.04% | 5.11% | 5.17% | 5.25% |
| ▇█▁▃▅▇▅█ | Return on Assets (%) | 2.11% | 2.17% | 1.85% | 1.94% | 2.03% | 2.09% | 2.03% | 2.14% |
| ▄▃█▆▄▂▄▁ | Efficiency Ratio (%) | 59.6% | 59.4% | 61.3% | 60.2% | 59.5% | 59.0% | 59.5% | 58.3% |
| ▅█▆▃▂▂▁▂ | Cost of Funds (%) | 1.52% | 1.64% | 1.56% | 1.47% | 1.45% | 1.45% | 1.40% | 1.44% |
| ▂▂▁▁▂▁▁█ | NPA / Assets (%) | 0.11% | 0.14% | 0.08% | 0.04% | 0.15% | 0.02% | 0.03% | 0.58% |
| ▂▂▁▁▂▁▁█ | Net Charge-Off Ratio (%) | 0.18% | 0.22% | 0.13% | 0.06% | 0.24% | 0.03% | 0.05% | 0.88% |
| ▅▁▃▅█▅▇█ | Tang. Book Value ($M) | $15 | $13 | $14 | $15 | $16 | $15 | $16 | $16 |
| ▂▁▂▅▄▇▅█ | Gross Loans ($M) | $76 | $75 | $76 | $79 | $78 | $80 | $79 | $82 |
| ▁▁▂▄▃▅█▄ | Total Deposits ($M) | $104 | $104 | $105 | $108 | $106 | $108 | $112 | $107 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 69% |
| C&I / Commercial | 16% |
| Agricultural | 11% |
| Consumer | 3% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 27% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 9% |