Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.53% | +0.31 | 1.22% |
| Return on Equity (%) | ▲ | 21.19% | +2.52 | 18.67% |
| Net Interest Margin (%) | ▲ | 3.83% | +0.39 | 3.44% |
| Efficiency Ratio (%) | ▲ | 62.97% | -3.91 | 66.88% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.21 | $1 |
| Cost of Funds (%) | ▲ | 1.73% | -0.01 | 1.75% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $305 | +5.81 | $299 |
| Gross Loans ($M) | ▲ | $232 | +11.24 | $220 |
| Loan Growth YoY (%) | ▲ | 95.47% | +6.43 | 89.04% |
| Total Deposits ($M) | ▼ | $239 | -4.87 | $244 |
| Shareholders Equity ($M) | ▲ | $23 | +2.62 | $20 |
| Tang. Book Value ($M) | ▲ | $22 | +2.64 | $19 |
| TBV excl. AOCI ($M)** | ▲ | $25 | +2.51 | $22 |
| Loan / Deposit Ratio (%) | ▲ | 95.47% | +6.43 | 89.04% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.02% | -0.08 | 0.11% |
| Allowance / Loans (%) | — | 1.29% | 0.02% | 1.27% |
| Net Charge-Off Ratio (%) | ▼ | 0.03% | +0.01 | 0.02% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 11.58% | -0.02 | 11.60% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▅▇▇██ | Net Interest Margin (%) | 2.85% | 2.95% | 3.34% | 3.44% | 3.60% | 3.63% | 3.78% | 3.83% |
| ▁▁▄▅▅▆██ | Return on Assets (%) | 0.82% | 0.89% | 1.09% | 1.22% | 1.26% | 1.30% | 1.45% | 1.53% |
| ██▅▄▄▃▁▁ | Efficiency Ratio (%) | 73.1% | 72.1% | 69.1% | 66.9% | 67.0% | 66.1% | 63.7% | 63.0% |
| █▄▂▁▁▁▁▁ | Cost of Funds (%) | 2.11% | 1.89% | 1.81% | 1.75% | 1.75% | 1.72% | 1.75% | 1.73% |
| ▇▅▇▇█▁▅▁ | NPA / Assets (%) | 0.12% | 0.09% | 0.11% | 0.11% | 0.13% | 0.02% | 0.08% | 0.02% |
| ▄▁▂▂▅▃█▃ | Net Charge-Off Ratio (%) | 0.04% | 0.00% | 0.02% | 0.02% | 0.05% | 0.03% | 0.11% | 0.03% |
| ▃▁▂▃▅▆██ | Tang. Book Value ($M) | $19 | $18 | $19 | $19 | $20 | $21 | $22 | $22 |
| ▁▁▂▃▆███ | Gross Loans ($M) | $215 | $216 | $219 | $220 | $226 | $232 | $233 | $232 |
| ▁▅██▅▅█▅ | Total Deposits ($M) | $231 | $238 | $243 | $244 | $239 | $238 | $243 | $239 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 89% |
| C&I / Commercial | 8% |
| Agricultural | 2% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 11% |