Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.08% | +0.29 | 0.79% |
| Return on Equity (%) | ▲ | 12.53% | +3.29 | 9.24% |
| Net Interest Margin (%) | ▲ | 3.58% | +0.41 | 3.17% |
| Efficiency Ratio (%) | ▲ | 55.56% | -8.33 | 63.90% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.19 | $0 |
| Cost of Funds (%) | ▲ | 2.24% | -0.05 | 2.28% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $161 | +16.21 | $145 |
| Gross Loans ($M) | ▲ | $133 | +17.52 | $115 |
| Loan Growth YoY (%) | ▲ | 97.30% | +4.91 | 92.39% |
| Total Deposits ($M) | ▲ | $135 | +11.58 | $123 |
| Shareholders Equity ($M) | ▲ | $14 | +1.46 | $12 |
| Tang. Book Value ($M) | ▲ | $14 | +1.47 | $12 |
| Loan / Deposit Ratio (%) | ▲ | 97.30% | +4.91 | 92.39% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.36% | +0.02 | 0.34% |
| Allowance / Loans (%) | — | 1.01% | 0.01% | 1.00% |
| Net Charge-Off Ratio (%) | ▼ | 0.44% | +0.01 | 0.43% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▆██ | Net Interest Margin (%) | 2.83% | 2.84% | 3.10% | 3.17% | 3.22% | 3.30% | 3.55% | 3.58% |
| ▁▁▁▂▄▄██ | Return on Assets (%) | 0.72% | 0.70% | 0.73% | 0.79% | 0.85% | 0.89% | 1.07% | 1.08% |
| ▇██▇▆▅▁▁ | Efficiency Ratio (%) | 64.2% | 65.0% | 65.7% | 63.9% | 62.3% | 61.2% | 56.2% | 55.6% |
| ██▃▁▃▃▁▁ | Cost of Funds (%) | 2.79% | 2.72% | 2.42% | 2.28% | 2.39% | 2.39% | 2.24% | 2.24% |
| ▁▁▂▄▂█▇▅ | NPA / Assets (%) | 0.29% | 0.29% | 0.31% | 0.34% | 0.31% | 0.41% | 0.39% | 0.36% |
| ▁▁▃▅▂██▆ | Net Charge-Off Ratio (%) | 0.35% | 0.36% | 0.39% | 0.43% | 0.37% | 0.48% | 0.47% | 0.44% |
| ▁▁▂▃▅▅▇█ | Tang. Book Value ($M) | $12 | $12 | $12 | $12 | $13 | $13 | $13 | $14 |
| ▂▁▁▂▄▇▇█ | Gross Loans ($M) | $115 | $112 | $112 | $115 | $122 | $129 | $129 | $133 |
| ▁▁▃▄▅▅▆█ | Total Deposits ($M) | $116 | $116 | $121 | $123 | $126 | $127 | $130 | $135 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 86% |
| C&I / Commercial | 6% |
| Agricultural | 7% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 13% |
| Interest-Bearing (core) | 43% |
| Brokered / Other | 44% |