Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.92% | -0.12 | 2.04% |
| Return on Equity (%) | ▼ | 21.13% | -0.78 | 21.91% |
| Net Interest Margin (%) | ▼ | 5.33% | -0.01 | 5.35% |
| Efficiency Ratio (%) | ▼ | 54.75% | +2.67 | 52.08% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.03 | $2 |
| Cost of Funds (%) | ▼ | 1.45% | +0.04 | 1.41% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $305 | +27.25 | $278 |
| Gross Loans ($M) | ▲ | $257 | +28.15 | $229 |
| Loan Growth YoY (%) | ▲ | 92.69% | +1.67 | 91.03% |
| Total Deposits ($M) | ▲ | $273 | +26.11 | $247 |
| Shareholders Equity ($M) | ▲ | $27 | +1.88 | $26 |
| Tang. Book Value ($M) | ▲ | $27 | +1.88 | $25 |
| Loan / Deposit Ratio (%) | ▲ | 92.69% | +1.67 | 91.03% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.16% | -1.10 | 1.26% |
| Allowance / Loans (%) | — | 1.50% | -0.26% | 1.76% |
| Net Charge-Off Ratio (%) | ▲ | 0.19% | -1.34 | 1.53% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▅▆▇█▆▆ | Net Interest Margin (%) | 5.10% | 5.19% | 5.30% | 5.35% | 5.40% | 5.47% | 5.35% | 5.33% |
| ▂▁█▇▅▅▃▄ | Return on Assets (%) | 1.81% | 1.71% | 2.15% | 2.04% | 1.98% | 1.96% | 1.83% | 1.92% |
| ▄█▂▄▄▁▆▇ | Efficiency Ratio (%) | 52.2% | 55.9% | 50.9% | 52.1% | 52.3% | 49.7% | 54.3% | 54.7% |
| █▅▃▅▅▅▁▆ | Cost of Funds (%) | 1.51% | 1.41% | 1.36% | 1.41% | 1.43% | 1.42% | 1.30% | 1.45% |
| █▇▇▇▇▃▁▁ | NPA / Assets (%) | 1.49% | 1.22% | 1.22% | 1.26% | 1.20% | 0.54% | 0.14% | 0.16% |
| █▇▇▇▇▁▁▁ | Net Charge-Off Ratio (%) | 1.77% | 1.46% | 1.45% | 1.53% | 1.43% | 0.00% | 0.17% | 0.19% |
| ▁▁▂▂▃▄▅█ | Tang. Book Value ($M) | $24 | $24 | $25 | $25 | $25 | $25 | $26 | $27 |
| ▁▁▃▃▃▅▇█ | Gross Loans ($M) | $219 | $221 | $229 | $229 | $232 | $241 | $248 | $257 |
| ▁▂▂▄▃▄▇█ | Total Deposits ($M) | $231 | $236 | $241 | $247 | $246 | $247 | $266 | $273 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 89% |
| C&I / Commercial | 5% |
| Agricultural | 4% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 7% |