Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.38% | +0.59 | 0.79% |
| Return on Equity (%) | ▲ | 15.02% | +4.79 | 10.23% |
| Net Interest Margin (%) | ▲ | 3.94% | +0.79 | 3.15% |
| Efficiency Ratio (%) | ▲ | 64.55% | -11.79 | 76.33% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.53 | $1 |
| Cost of Funds (%) | ▲ | 2.02% | -0.47 | 2.49% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $360 | +13.81 | $346 |
| Gross Loans ($M) | ▲ | $250 | +10.72 | $239 |
| Loan Growth YoY (%) | ▲ | 76.79% | +0.87 | 75.92% |
| Total Deposits ($M) | ▲ | $322 | +10.43 | $312 |
| Shareholders Equity ($M) | ▲ | $33 | +5.82 | $27 |
| Tang. Book Value ($M) | ▲ | $32 | +5.73 | $26 |
| TBV excl. AOCI ($M)** | ▲ | $35 | +5.84 | $30 |
| Loan / Deposit Ratio (%) | ▲ | 76.79% | +0.87 | 75.92% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.75% | +0.03 | 0.72% |
| Allowance / Loans (%) | — | 1.00% | -0.05% | 1.05% |
| Net Charge-Off Ratio (%) | ▼ | 1.04% | +0.12 | 0.92% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▁▂▃██ | Net Interest Margin (%) | 3.14% | 3.11% | 3.12% | 3.15% | 3.28% | 3.36% | 3.95% | 3.94% |
| ▁▁▁▁▃▃██ | Return on Assets (%) | 0.72% | 0.78% | 0.78% | 0.79% | 0.92% | 0.99% | 1.44% | 1.38% |
| ██▇▇▆▅▁▁ | Efficiency Ratio (%) | 78.6% | 77.1% | 76.6% | 76.3% | 73.4% | 71.8% | 63.6% | 64.5% |
| ██▇▇▆▃▁▁ | Cost of Funds (%) | 2.56% | 2.63% | 2.49% | 2.49% | 2.42% | 2.21% | 2.05% | 2.02% |
| ▂▄▁▆▅██▇ | NPA / Assets (%) | 0.62% | 0.66% | 0.59% | 0.72% | 0.69% | 0.78% | 0.78% | 0.75% |
| ▂▂▁▄▅██▇ | Net Charge-Off Ratio (%) | 0.82% | 0.85% | 0.76% | 0.92% | 0.93% | 1.09% | 1.10% | 1.04% |
| ▂▁▂▂▄█▇█ | Tang. Book Value ($M) | $27 | $25 | $26 | $26 | $28 | $31 | $31 | $32 |
| ▁▁▁▅▅▅▇█ | Gross Loans ($M) | $228 | $228 | $230 | $239 | $241 | $240 | $246 | $250 |
| ▁▂▅▅▅▅▆█ | Total Deposits ($M) | $296 | $300 | $312 | $312 | $309 | $310 | $313 | $322 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 77% |
| C&I / Commercial | 14% |
| Agricultural | 3% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 14% |