Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.38% | +0.54 | 1.84% |
| Return on Equity (%) | ▲ | 20.39% | +3.83 | 16.56% |
| Net Interest Margin (%) | ▲ | 4.41% | +0.54 | 3.87% |
| Efficiency Ratio (%) | ▲ | 41.04% | -5.34 | 46.39% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.26 | $1 |
| Cost of Funds (%) | ▲ | 1.53% | -0.21 | 1.74% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $155 | +1.20 | $154 |
| Gross Loans ($M) | ▲ | $123 | +1.83 | $121 |
| Loan Growth YoY (%) | ▲ | 92.99% | +1.19 | 91.80% |
| Total Deposits ($M) | ▲ | $131 | +0.11 | $131 |
| Shareholders Equity ($M) | ▲ | $19 | +1.14 | $18 |
| Tang. Book Value ($M) | ▲ | $17 | +1.16 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 92.99% | +1.19 | 91.80% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.16% | +0.16 | 0.00% |
| Allowance / Loans (%) | — | 1.10% | 0.13% | 0.98% |
| Net Charge-Off Ratio (%) | ▼ | 0.20% | +0.20 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 14.41% | +0.88 | 13.53% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▁▃▅▆▆█ | Net Interest Margin (%) | 3.71% | 3.75% | 3.62% | 3.87% | 4.04% | 4.19% | 4.17% | 4.41% |
| ▁▁▂▃▄▅▆█ | Return on Assets (%) | 1.62% | 1.60% | 1.71% | 1.84% | 1.96% | 2.06% | 2.18% | 2.38% |
| ██▆▅▂▂▂▁ | Efficiency Ratio (%) | 49.9% | 49.6% | 47.1% | 46.4% | 43.2% | 42.3% | 43.0% | 41.0% |
| ▅▇██▃▅▁▃ | Cost of Funds (%) | 1.63% | 1.72% | 1.77% | 1.74% | 1.56% | 1.61% | 1.45% | 1.53% |
| ▂▂▁▁▂▁██ | NPA / Assets (%) | 0.03% | 0.03% | 0.00% | 0.00% | 0.04% | 0.01% | 0.15% | 0.16% |
| ▂▂▁▁▂▁██ | Net Charge-Off Ratio (%) | 0.04% | 0.04% | 0.00% | 0.00% | 0.04% | 0.02% | 0.20% | 0.20% |
| ▁▂▃▅▇▇▇█ | Tang. Book Value ($M) | $14 | $15 | $15 | $16 | $16 | $16 | $16 | $17 |
| ▂▅▁▃██▃▅ | Gross Loans ($M) | $119 | $124 | $116 | $121 | $129 | $130 | $120 | $123 |
| ▁▅▆▃▇▇█▃ | Total Deposits ($M) | $124 | $134 | $138 | $131 | $140 | $140 | $143 | $131 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 64% |
| C&I / Commercial | 10% |
| Agricultural | 24% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 12% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 17% |