Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.81% | +0.41 | 0.40% |
| Return on Equity (%) | ▲ | 11.59% | +5.10 | 6.49% |
| Net Interest Margin (%) | ▲ | 3.67% | +0.68 | 2.99% |
| Efficiency Ratio (%) | ▲ | 67.21% | -10.01 | 77.22% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.12 | $0 |
| Cost of Funds (%) | ▲ | 2.02% | -0.16 | 2.18% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $103 | +9.23 | $94 |
| Gross Loans ($M) | ▲ | $73 | +7.99 | $65 |
| Loan Growth YoY (%) | ▲ | 76.56% | +1.76 | 74.80% |
| Total Deposits ($M) | ▲ | $95 | +8.28 | $86 |
| Shareholders Equity ($M) | ▲ | $7 | +1.21 | $6 |
| Tang. Book Value ($M) | ▲ | $7 | +1.21 | $6 |
| Loan / Deposit Ratio (%) | ▲ | 76.56% | +1.76 | 74.80% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.30% | +0.27 | 0.03% |
| Allowance / Loans (%) | — | 0.98% | 0.08% | 0.90% |
| Net Charge-Off Ratio (%) | ▼ | 0.42% | +0.42 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 11.20% | +0.32 | 10.88% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▄▅▇█ | Net Interest Margin (%) | 2.50% | 2.52% | 2.85% | 2.99% | 3.07% | 3.19% | 3.51% | 3.67% |
| ▁▁▃▄▆▆██ | Return on Assets (%) | 0.12% | 0.03% | 0.32% | 0.40% | 0.56% | 0.63% | 0.84% | 0.81% |
| ██▆▅▃▂▁▁ | Efficiency Ratio (%) | 85.7% | 85.5% | 79.1% | 77.2% | 71.8% | 69.3% | 65.6% | 67.2% |
| ▇█▅▅▄▂▁▁ | Cost of Funds (%) | 2.27% | 2.34% | 2.20% | 2.18% | 2.18% | 2.09% | 2.02% | 2.02% |
| ▄▃▁▁▁███ | NPA / Assets (%) | 0.14% | 0.11% | 0.03% | 0.03% | 0.00% | 0.29% | 0.28% | 0.30% |
| ▄▄▁▁▁███ | Net Charge-Off Ratio (%) | 0.21% | 0.16% | 0.00% | 0.00% | 0.00% | 0.39% | 0.38% | 0.42% |
| ▂▁▁▃▃▇▇█ | Tang. Book Value ($M) | $6 | $6 | $6 | $6 | $6 | $7 | $7 | $7 |
| ▁▁▃▂▃▇██ | Gross Loans ($M) | $64 | $64 | $66 | $65 | $67 | $72 | $73 | $73 |
| ▁▁▂▁▂▅▆█ | Total Deposits ($M) | $86 | $86 | $87 | $86 | $88 | $90 | $92 | $95 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 15% |
| Agricultural | 3% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 18% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 20% |