Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.77% | +0.09 | 0.68% |
| Return on Equity (%) | ▲ | 8.90% | +0.39 | 8.51% |
| Net Interest Margin (%) | ▲ | 3.51% | +0.01 | 3.50% |
| Efficiency Ratio (%) | ▼ | 73.36% | +0.44 | 72.92% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.01 | $0 |
| Cost of Funds (%) | — | 0.96% | 0.00 | 0.96% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $165 | +12.64 | $152 |
| Gross Loans ($M) | ▼ | $82 | -0.74 | $83 |
| Loan Growth YoY (%) | ▼ | 54.04% | -5.16 | 59.20% |
| Total Deposits ($M) | ▲ | $150 | +11.84 | $139 |
| Shareholders Equity ($M) | ▲ | $14 | +1.91 | $12 |
| Tang. Book Value ($M) | ▲ | $14 | +1.91 | $12 |
| TBV excl. AOCI ($M)** | ▲ | $17 | +2.43 | $15 |
| Loan / Deposit Ratio (%) | ▼ | 54.04% | -5.16 | 59.20% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.21% | +0.07 | 0.14% |
| Allowance / Loans (%) | — | 1.09% | 0.03% | 1.07% |
| Net Charge-Off Ratio (%) | ▼ | 0.42% | +0.16 | 0.26% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▇██▃█ | Net Interest Margin (%) | 3.35% | 3.39% | 3.42% | 3.50% | 3.51% | 3.53% | 3.41% | 3.51% |
| ▁▁▃▅▇█▆▇ | Return on Assets (%) | 0.34% | 0.37% | 0.54% | 0.68% | 0.75% | 0.88% | 0.71% | 0.77% |
| ██▅▂▁▁▄▂ | Efficiency Ratio (%) | 82.3% | 83.7% | 77.4% | 72.9% | 71.5% | 70.8% | 76.5% | 73.4% |
| ▄█▁▅▅▇▁▅ | Cost of Funds (%) | 0.94% | 0.99% | 0.92% | 0.96% | 0.95% | 0.97% | 0.93% | 0.96% |
| ▁▃▂▂█▅▃▄ | NPA / Assets (%) | 0.10% | 0.16% | 0.15% | 0.14% | 0.32% | 0.22% | 0.17% | 0.21% |
| ▁▃▃▂█▇▅▆ | Net Charge-Off Ratio (%) | 0.18% | 0.28% | 0.29% | 0.26% | 0.51% | 0.43% | 0.35% | 0.42% |
| ▄▁▃▂▆███ | Tang. Book Value ($M) | $13 | $12 | $12 | $12 | $13 | $14 | $14 | $14 |
| █▆▂▄▃▁▁▂ | Gross Loans ($M) | $85 | $84 | $82 | $83 | $83 | $82 | $81 | $82 |
| ▁▂▄▅▅▆██ | Total Deposits ($M) | $126 | $130 | $138 | $139 | $140 | $144 | $149 | $150 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 2% |
| Agricultural | 1% |
| Consumer | 7% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 52% |
| Interest-Bearing (core) | 44% |
| Brokered / Other | 3% |