Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.16% | +0.27 | 0.90% |
| Return on Equity (%) | ▲ | 11.56% | +1.44 | 10.12% |
| Net Interest Margin (%) | ▲ | 3.36% | +0.50 | 2.85% |
| Efficiency Ratio (%) | ▲ | 61.89% | -5.40 | 67.29% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.19 | $1 |
| Cost of Funds (%) | ▲ | 1.64% | -0.17 | 1.80% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $312 | -5.14 | $317 |
| Gross Loans ($M) | ▲ | $182 | +10.61 | $171 |
| Loan Growth YoY (%) | ▲ | 71.89% | +5.33 | 66.57% |
| Total Deposits ($M) | ▼ | $250 | -4.58 | $255 |
| Shareholders Equity ($M) | ▲ | $32 | +3.63 | $28 |
| Tang. Book Value ($M) | ▲ | $32 | +3.63 | $28 |
| TBV excl. AOCI ($M)** | ▲ | $36 | +3.58 | $33 |
| Loan / Deposit Ratio (%) | ▲ | 71.89% | +5.33 | 66.57% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.05 | 0.05% |
| Allowance / Loans (%) | — | 1.09% | 0.12% | 0.97% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.10 | 0.10% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -15.83 | 15.83% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▅██ | Net Interest Margin (%) | 2.58% | 2.62% | 2.75% | 2.85% | 2.97% | 3.04% | 3.35% | 3.36% |
| ▁▁▂▃▅▅██ | Return on Assets (%) | 0.74% | 0.78% | 0.82% | 0.90% | 0.97% | 0.99% | 1.17% | 1.16% |
| ██▆▄▂▂▁▁ | Efficiency Ratio (%) | 74.1% | 72.7% | 70.7% | 67.3% | 64.9% | 64.9% | 62.6% | 61.9% |
| ▆█▆▄█▃▂▁ | Cost of Funds (%) | 1.90% | 1.99% | 1.88% | 1.80% | 1.96% | 1.73% | 1.69% | 1.64% |
| ▁▁▂█▃▂▂▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.01% | 0.05% | 0.01% | 0.01% | 0.01% | 0.00% |
| ▁▁▁█▂▂▂▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.01% | 0.10% | 0.02% | 0.02% | 0.02% | 0.00% |
| ▂▁▂▃▆▇▇█ | Tang. Book Value ($M) | $27 | $26 | $27 | $28 | $30 | $31 | $31 | $32 |
| ▁▃▄▃▄▇▅█ | Gross Loans ($M) | $167 | $171 | $173 | $171 | $173 | $179 | $176 | $182 |
| ▃▂▂█▁▃▂▆ | Total Deposits ($M) | $245 | $244 | $244 | $255 | $241 | $245 | $243 | $250 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 77% |
| C&I / Commercial | 4% |
| Agricultural | 6% |
| Other | 13% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 77% |
| Brokered / Other | 3% |