Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.50% | +0.06 | 1.44% |
| Return on Equity (%) | ▼ | 16.19% | -0.98 | 17.17% |
| Net Interest Margin (%) | ▲ | 3.01% | +0.28 | 2.73% |
| Efficiency Ratio (%) | ▲ | 27.92% | -18.42 | 46.34% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.17 | $1 |
| Cost of Funds (%) | ▲ | 2.42% | -0.11 | 2.54% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $172 | +9.53 | $163 |
| Gross Loans ($M) | ▲ | $123 | +14.74 | $108 |
| Loan Growth YoY (%) | ▲ | 83.12% | +5.09 | 78.03% |
| Total Deposits ($M) | ▲ | $146 | +8.96 | $137 |
| Shareholders Equity ($M) | ▲ | $17 | +2.56 | $14 |
| Tang. Book Value ($M) | ▲ | $17 | +2.59 | $14 |
| TBV excl. AOCI ($M)** | ▲ | $19 | +2.52 | $16 |
| Loan / Deposit Ratio (%) | ▲ | 83.12% | +5.09 | 78.03% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.03% | -0.18 | 0.21% |
| Allowance / Loans (%) | — | 1.07% | 0.13% | 0.95% |
| Net Charge-Off Ratio (%) | ▲ | 0.05% | -0.27 | 0.32% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▅▆▆▆██ | Net Interest Margin (%) | 2.20% | 2.26% | 2.71% | 2.73% | 2.74% | 2.77% | 2.97% | 3.01% |
| ▁▁▆▇▇▄██ | Return on Assets (%) | 0.81% | 0.86% | 1.35% | 1.44% | 1.38% | 1.13% | 1.56% | 1.50% |
| ██▇▇▆▆▁▃ | Efficiency Ratio (%) | 55.1% | 55.7% | 49.4% | 46.3% | 44.6% | 41.2% | 15.8% | 27.9% |
| █▆▃▄▄▁▁▂ | Cost of Funds (%) | 2.73% | 2.62% | 2.50% | 2.54% | 2.52% | 2.37% | 2.39% | 2.42% |
| ▄██▂▇▅▂▁ | NPA / Assets (%) | 0.44% | 0.99% | 1.04% | 0.21% | 0.81% | 0.57% | 0.24% | 0.03% |
| ▄██▂▇▅▂▁ | Net Charge-Off Ratio (%) | 0.66% | 1.46% | 1.54% | 0.32% | 1.21% | 0.84% | 0.33% | 0.05% |
| ▃▁▂▃▆▆▆█ | Tang. Book Value ($M) | $14 | $13 | $13 | $14 | $15 | $15 | $16 | $17 |
| ▁▂▃▃▄▆██ | Gross Loans ($M) | $101 | $105 | $108 | $108 | $111 | $117 | $124 | $123 |
| ▁▃▅▅▆▆██ | Total Deposits ($M) | $125 | $133 | $138 | $137 | $139 | $139 | $147 | $146 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 63% |
| C&I / Commercial | 12% |
| Agricultural | 21% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 72% |
| Brokered / Other | 14% |