Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.22% | +0.49 | 1.73% |
| Return on Equity (%) | ▲ | 13.92% | +3.13 | 10.79% |
| Net Interest Margin (%) | ▲ | 3.95% | +0.47 | 3.48% |
| Efficiency Ratio (%) | ▲ | 36.25% | -6.27 | 42.53% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.43 | $1 |
| Cost of Funds (%) | ▲ | 1.80% | -0.21 | 2.00% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $243 | +30.33 | $213 |
| Gross Loans ($M) | ▲ | $181 | +26.45 | $155 |
| Loan Growth YoY (%) | ▲ | 89.10% | +2.03 | 87.07% |
| Total Deposits ($M) | ▲ | $202 | +25.69 | $176 |
| Shareholders Equity ($M) | ▲ | $39 | +4.20 | $34 |
| Tang. Book Value ($M) | ▲ | $39 | +4.20 | $34 |
| TBV excl. AOCI ($M)** | ▲ | $40 | +4.14 | $36 |
| Loan / Deposit Ratio (%) | ▲ | 89.10% | +2.03 | 87.07% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.82% | -0.02 | 0.84% |
| Allowance / Loans (%) | — | 0.81% | -0.15% | 0.95% |
| Net Charge-Off Ratio (%) | ▲ | 1.10% | -0.06 | 1.16% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▃▄▆██ | Net Interest Margin (%) | 3.29% | 3.32% | 3.42% | 3.48% | 3.55% | 3.72% | 3.90% | 3.95% |
| ▁▁▂▃▃▃██ | Return on Assets (%) | 1.61% | 1.54% | 1.66% | 1.73% | 1.77% | 1.72% | 2.19% | 2.22% |
| ▇█▇▆▆█▁▁ | Efficiency Ratio (%) | 43.3% | 44.8% | 43.5% | 42.5% | 42.6% | 44.2% | 36.3% | 36.3% |
| ▆▇▇█▇▅▁▁ | Cost of Funds (%) | 1.93% | 1.96% | 1.97% | 2.00% | 1.97% | 1.90% | 1.78% | 1.80% |
| █▆▃▂▃▂▁▁ | NPA / Assets (%) | 1.06% | 0.97% | 0.88% | 0.84% | 0.89% | 0.84% | 0.79% | 0.82% |
| █▇▄▃▃▁▁▁ | Net Charge-Off Ratio (%) | 1.38% | 1.32% | 1.21% | 1.16% | 1.19% | 1.09% | 1.08% | 1.10% |
| ▁▁▂▃▅▅▇█ | Tang. Book Value ($M) | $33 | $33 | $34 | $34 | $36 | $36 | $37 | $39 |
| ▁▁▂▃▄▆▇█ | Gross Loans ($M) | $146 | $149 | $153 | $155 | $162 | $172 | $174 | $181 |
| ▁▂▃▃▄▅▇█ | Total Deposits ($M) | $162 | $169 | $176 | $176 | $178 | $184 | $196 | $202 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 92% |
| C&I / Commercial | 3% |
| Agricultural | 3% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 15% |