Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.25% | +0.09 | 1.16% |
| Return on Equity (%) | ▲ | 8.34% | +0.27 | 8.07% |
| Net Interest Margin (%) | ▲ | 3.48% | +0.13 | 3.36% |
| Efficiency Ratio (%) | ▲ | 54.69% | -2.34 | 57.04% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.18 | $1 |
| Cost of Funds (%) | ▲ | 1.23% | -0.24 | 1.46% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $222 | +56.04 | $166 |
| Gross Loans ($M) | ▲ | $131 | +40.25 | $91 |
| Loan Growth YoY (%) | ▲ | 70.83% | +3.13 | 67.71% |
| Total Deposits ($M) | ▲ | $183 | +50.56 | $132 |
| Shareholders Equity ($M) | ▲ | $29 | +3.41 | $25 |
| Tang. Book Value ($M) | ▲ | $25 | +0.39 | $24 |
| TBV excl. AOCI ($M)** | ▲ | $29 | +0.93 | $28 |
| Loan / Deposit Ratio (%) | ▲ | 70.83% | +3.13 | 67.71% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.01% | -0.00 | 0.01% |
| Allowance / Loans (%) | — | 1.11% | -0.17% | 1.27% |
| Net Charge-Off Ratio (%) | ▲ | 0.01% | -0.01 | 0.01% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▁▁▄▆▆██ | Net Interest Margin (%) | 3.28% | 3.25% | 3.24% | 3.36% | 3.42% | 3.43% | 3.50% | 3.48% |
| ▃▃▁▁▂█▄▃ | Return on Assets (%) | 1.25% | 1.22% | 1.14% | 1.16% | 1.20% | 1.46% | 1.27% | 1.25% |
| ▁▂▇█▇▁▄▅ | Efficiency Ratio (%) | 52.2% | 52.9% | 56.0% | 57.0% | 56.2% | 52.1% | 54.3% | 54.7% |
| █▅▄▄▃▂▂▁ | Cost of Funds (%) | 1.81% | 1.57% | 1.47% | 1.46% | 1.43% | 1.35% | 1.32% | 1.23% |
| ▇▇█▁▁▁▁▁ | NPA / Assets (%) | 0.14% | 0.14% | 0.17% | 0.01% | 0.00% | 0.00% | 0.00% | 0.01% |
| ▇▇█▁▁▁▁▁ | Net Charge-Off Ratio (%) | 0.27% | 0.27% | 0.31% | 0.01% | 0.00% | 0.00% | 0.00% | 0.01% |
| ▁▁▂▃▆██▄ | Tang. Book Value ($M) | $23 | $23 | $24 | $24 | $25 | $27 | $27 | $25 |
| ▁▁▁▁▁▂▂█ | Gross Loans ($M) | $93 | $92 | $92 | $91 | $90 | $95 | $95 | $131 |
| ▂▂▂▁▁▁▂█ | Total Deposits ($M) | $139 | $137 | $140 | $132 | $130 | $132 | $136 | $183 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 54% |
| C&I / Commercial | 6% |
| Agricultural | 31% |
| Consumer | 1% |
| Other | 8% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 20% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 9% |