Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.14% | +0.04 | 0.10% |
| Return on Equity (%) | ▲ | 2.26% | +0.48 | 1.78% |
| Net Interest Margin (%) | ▲ | 2.67% | +0.27 | 2.40% |
| Efficiency Ratio (%) | ▲ | 95.11% | -2.71 | 97.81% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.04 | $0 |
| Cost of Funds (%) | ▲ | 1.18% | -0.11 | 1.30% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $167 | -2.74 | $170 |
| Gross Loans ($M) | ▲ | $90 | +3.23 | $87 |
| Loan Growth YoY (%) | ▲ | 57.23% | +3.36 | 53.88% |
| Total Deposits ($M) | ▼ | $156 | -3.67 | $160 |
| Shareholders Equity ($M) | ▲ | $10 | +0.95 | $9 |
| Tang. Book Value ($M) | ▲ | $10 | +0.95 | $9 |
| TBV excl. AOCI ($M)** | ▲ | $13 | +1.63 | $11 |
| Loan / Deposit Ratio (%) | ▲ | 57.23% | +3.36 | 53.88% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.07% | -0.09 | 0.16% |
| Allowance / Loans (%) | — | 0.85% | -0.09% | 0.93% |
| Net Charge-Off Ratio (%) | ▲ | 0.12% | -0.18 | 0.30% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▂▁▂▃▄▇█ | Net Interest Margin (%) | 2.40% | 2.37% | 2.33% | 2.40% | 2.45% | 2.47% | 2.60% | 2.67% |
| ▄▆▁▅▇█▁█ | Return on Assets (%) | 0.08% | 0.11% | 0.04% | 0.10% | 0.13% | 0.14% | 0.03% | 0.14% |
| ▂▂█▄▂▁▅▁ | Efficiency Ratio (%) | 96.4% | 96.0% | 101.8% | 97.8% | 96.1% | 95.4% | 98.8% | 95.1% |
| ██▅▄▄▃▁▁ | Cost of Funds (%) | 1.41% | 1.44% | 1.32% | 1.30% | 1.29% | 1.27% | 1.21% | 1.18% |
| ▁▁▁█▂▂▃▄ | NPA / Assets (%) | 0.03% | 0.01% | 0.01% | 0.16% | 0.03% | 0.04% | 0.05% | 0.07% |
| ▁▁▁█▂▂▃▃ | Net Charge-Off Ratio (%) | 0.05% | 0.02% | 0.02% | 0.30% | 0.06% | 0.07% | 0.10% | 0.12% |
| ▇▁▄▃██▇▇ | Tang. Book Value ($M) | $10 | $8 | $9 | $9 | $10 | $10 | $10 | $10 |
| ▄▂▁▁▁▅▇█ | Gross Loans ($M) | $89 | $88 | $87 | $87 | $87 | $89 | $90 | $90 |
| ▃▃▁█▃▆▃▄ | Total Deposits ($M) | $156 | $155 | $154 | $160 | $156 | $158 | $156 | $156 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 92% |
| C&I / Commercial | 4% |
| Agricultural | 1% |
| Consumer | 2% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 67% |
| Brokered / Other | 4% |