Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.22% | +0.24 | 0.98% |
| Return on Equity (%) | ▲ | 14.18% | +0.25 | 13.93% |
| Net Interest Margin (%) | ▲ | 3.66% | +0.32 | 3.34% |
| Efficiency Ratio (%) | ▲ | 56.93% | -5.71 | 62.64% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.16 | $1 |
| Cost of Funds (%) | ▲ | 1.49% | -0.09 | 1.59% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $239 | +5.77 | $234 |
| Gross Loans ($M) | ▲ | $153 | +17.96 | $135 |
| Loan Growth YoY (%) | ▲ | 73.05% | +8.35 | 64.70% |
| Total Deposits ($M) | ▲ | $207 | +0.75 | $207 |
| Shareholders Equity ($M) | ▲ | $21 | +5.05 | $16 |
| Tang. Book Value ($M) | ▲ | $20 | +5.05 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $23 | +4.40 | $18 |
| Loan / Deposit Ratio (%) | ▲ | 73.05% | +8.35 | 64.70% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.04% | +0.04 | 0.00% |
| Allowance / Loans (%) | — | 1.04% | -0.02% | 1.05% |
| Net Charge-Off Ratio (%) | ▼ | 0.06% | +0.06 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 15.54% | +0.25 | 15.29% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▃▄▄▅██ | Net Interest Margin (%) | 3.11% | 3.19% | 3.27% | 3.34% | 3.36% | 3.44% | 3.62% | 3.66% |
| ▁▁▃▄▅▅██ | Return on Assets (%) | 0.76% | 0.80% | 0.91% | 0.98% | 1.02% | 1.04% | 1.16% | 1.22% |
| ██▆▅▄▃▁▁ | Efficiency Ratio (%) | 68.6% | 68.2% | 64.5% | 62.6% | 61.6% | 60.5% | 56.3% | 56.9% |
| ▁▄▃▇█▅▁▄ | Cost of Funds (%) | 1.40% | 1.48% | 1.46% | 1.59% | 1.61% | 1.51% | 1.40% | 1.49% |
| ▅▁▁▁▇▅▇█ | NPA / Assets (%) | 0.02% | 0.00% | 0.00% | 0.00% | 0.03% | 0.02% | 0.03% | 0.04% |
| ▅▁▁▁█▅▇█ | Net Charge-Off Ratio (%) | 0.04% | 0.00% | 0.00% | 0.00% | 0.06% | 0.03% | 0.05% | 0.06% |
| ▃▁▁▁▅▆▇█ | Tang. Book Value ($M) | $16 | $14 | $15 | $15 | $17 | $18 | $19 | $20 |
| ▁▁▁▃▄▆▇█ | Gross Loans ($M) | $128 | $130 | $130 | $135 | $139 | $145 | $148 | $153 |
| ▁▁█▇█▅▇▇ | Total Deposits ($M) | $194 | $196 | $210 | $207 | $209 | $203 | $208 | $207 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 86% |
| C&I / Commercial | 10% |
| Agricultural | 2% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 77% |
| Brokered / Other | 8% |