Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.75% | +0.32 | 1.43% |
| Return on Equity (%) | ▲ | 15.07% | +1.30 | 13.77% |
| Net Interest Margin (%) | ▲ | 3.95% | +0.22 | 3.74% |
| Efficiency Ratio (%) | ▲ | 55.32% | -1.88 | 57.19% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.08 | $1 |
| Cost of Funds (%) | ▼ | 1.54% | +0.09 | 1.45% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $138 | +1.54 | $137 |
| Gross Loans ($M) | ▲ | $113 | +5.86 | $108 |
| Loan Growth YoY (%) | ▲ | 93.09% | +1.48 | 91.61% |
| Total Deposits ($M) | ▲ | $121 | +4.37 | $116 |
| Shareholders Equity ($M) | ▲ | $16 | +1.99 | $14 |
| Tang. Book Value ($M) | ▲ | $16 | +2.02 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 93.09% | +1.48 | 91.61% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.21% | -0.04 | 0.25% |
| Allowance / Loans (%) | — | 1.01% | 0.01% | 1.00% |
| Net Charge-Off Ratio (%) | ▼ | 0.26% | +0.09 | 0.17% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▆▆▇█ | Net Interest Margin (%) | 3.42% | 3.47% | 3.61% | 3.74% | 3.76% | 3.80% | 3.85% | 3.95% |
| ▁▂▁▁▁▂▅█ | Return on Assets (%) | 1.42% | 1.48% | 1.41% | 1.43% | 1.42% | 1.49% | 1.62% | 1.75% |
| ▄▂█▅▄▄▅▁ | Efficiency Ratio (%) | 56.9% | 56.2% | 59.0% | 57.2% | 57.0% | 56.8% | 57.4% | 55.3% |
| █▇▁▂▇▇▄▄ | Cost of Funds (%) | 1.73% | 1.65% | 1.39% | 1.45% | 1.67% | 1.68% | 1.52% | 1.54% |
| ▆██▆▅▅▁▄ | NPA / Assets (%) | 0.25% | 0.27% | 0.29% | 0.25% | 0.23% | 0.23% | 0.16% | 0.21% |
| ▄▃▅▁▁▁▄█ | Net Charge-Off Ratio (%) | 0.20% | 0.20% | 0.22% | 0.17% | 0.17% | 0.17% | 0.21% | 0.26% |
| ▁▁▁▂▄▆██ | Tang. Book Value ($M) | $13 | $13 | $13 | $14 | $14 | $15 | $15 | $16 |
| ▁▁▂▅█▇▇█ | Gross Loans ($M) | $101 | $101 | $103 | $108 | $112 | $111 | $111 | $113 |
| ▁▁█▂▅▇█▆ | Total Deposits ($M) | $115 | $115 | $123 | $116 | $120 | $121 | $124 | $121 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 72% |
| C&I / Commercial | 11% |
| Agricultural | 12% |
| Consumer | 4% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 57% |
| Brokered / Other | 25% |