Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.78% | +0.36 | 1.42% |
| Return on Equity (%) | ▲ | 19.65% | +2.52 | 17.13% |
| Net Interest Margin (%) | ▲ | 3.98% | +0.56 | 3.42% |
| Efficiency Ratio (%) | ▲ | 52.05% | -5.28 | 57.33% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.17 | $1 |
| Cost of Funds (%) | ▲ | 1.35% | -0.21 | 1.57% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $148 | +2.21 | $146 |
| Gross Loans ($M) | ▲ | $97 | +9.98 | $87 |
| Loan Growth YoY (%) | ▲ | 71.61% | +6.67 | 64.94% |
| Total Deposits ($M) | ▲ | $135 | +1.39 | $133 |
| Shareholders Equity ($M) | ▲ | $13 | +0.83 | $12 |
| Tang. Book Value ($M) | ▲ | $13 | +0.83 | $12 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +0.75 | $14 |
| Loan / Deposit Ratio (%) | ▲ | 71.61% | +6.67 | 64.94% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.28 | 0.28% |
| Allowance / Loans (%) | — | 1.04% | 0.01% | 1.04% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.47 | 0.47% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.31% | +0.11 | 13.21% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▄▄▅▆██ | Net Interest Margin (%) | 2.96% | 3.04% | 3.39% | 3.42% | 3.58% | 3.63% | 3.91% | 3.98% |
| ▁▁▃▄▆▆▇█ | Return on Assets (%) | 1.12% | 1.18% | 1.34% | 1.42% | 1.54% | 1.57% | 1.68% | 1.78% |
| ██▆▅▃▃▂▁ | Efficiency Ratio (%) | 62.4% | 61.5% | 59.5% | 57.3% | 55.3% | 54.8% | 53.9% | 52.1% |
| █▅▄▄▄▂▁▁ | Cost of Funds (%) | 1.86% | 1.62% | 1.60% | 1.57% | 1.57% | 1.46% | 1.39% | 1.35% |
| ▁▁▁█▁▁▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.28% | 0.03% | 0.03% | 0.00% | 0.00% |
| ▁▁▁█▁▁▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.47% | 0.05% | 0.05% | 0.00% | 0.00% |
| ▂▁▃▄▇██▇ | Tang. Book Value ($M) | $12 | $12 | $12 | $12 | $13 | $13 | $14 | $13 |
| ▁▂▁▂▅▆▆█ | Gross Loans ($M) | $86 | $88 | $86 | $87 | $92 | $94 | $94 | $97 |
| ▁▅▅▆▁▄█▇ | Total Deposits ($M) | $125 | $131 | $132 | $133 | $126 | $130 | $136 | $135 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 61% |
| C&I / Commercial | 12% |
| Agricultural | 21% |
| Consumer | 2% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 7% |