Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.45% | +0.21 | 1.23% |
| Return on Equity (%) | ▲ | 11.94% | +1.38 | 10.56% |
| Net Interest Margin (%) | ▲ | 4.88% | +0.20 | 4.68% |
| Efficiency Ratio (%) | ▲ | 61.43% | -5.59 | 67.02% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.51 | $1 |
| Cost of Funds (%) | ▼ | 1.48% | +0.11 | 1.37% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $340 | +28.21 | $311 |
| Gross Loans ($M) | ▲ | $281 | +33.70 | $247 |
| Loan Growth YoY (%) | ▲ | 97.92% | +3.73 | 94.19% |
| Total Deposits ($M) | ▲ | $283 | +24.19 | $259 |
| Shareholders Equity ($M) | ▲ | $42 | +4.22 | $38 |
| Tang. Book Value ($M) | ▲ | $42 | +4.22 | $38 |
| TBV excl. AOCI ($M)** | ▲ | $43 | +4.17 | $39 |
| Loan / Deposit Ratio (%) | ▲ | 97.92% | +3.73 | 94.19% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.00% | -0.01 | 0.02% |
| Allowance / Loans (%) | — | 1.28% | -0.03% | 1.31% |
| Net Charge-Off Ratio (%) | ▲ | 0.00% | -0.02 | 0.02% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▆▁▂▄▅▅█ | Net Interest Margin (%) | 4.72% | 4.80% | 4.64% | 4.68% | 4.74% | 4.78% | 4.79% | 4.88% |
| ▄▃▃▁▁▃▆█ | Return on Assets (%) | 1.33% | 1.31% | 1.29% | 1.23% | 1.24% | 1.31% | 1.38% | 1.45% |
| ▅▆▆██▆▂▁ | Efficiency Ratio (%) | 64.4% | 65.3% | 65.3% | 67.0% | 67.1% | 65.6% | 62.8% | 61.4% |
| ▁▃▁▄▅▃▅█ | Cost of Funds (%) | 1.28% | 1.33% | 1.27% | 1.37% | 1.39% | 1.34% | 1.40% | 1.48% |
| █▃▃▃▄▂▅▁ | NPA / Assets (%) | 0.05% | 0.02% | 0.02% | 0.02% | 0.02% | 0.01% | 0.03% | 0.00% |
| █▃▃▃▁▂▅▁ | Net Charge-Off Ratio (%) | 0.07% | 0.02% | 0.02% | 0.02% | 0.01% | 0.01% | 0.04% | 0.00% |
| ▄▁▂▃▅▆▇█ | Tang. Book Value ($M) | $38 | $35 | $37 | $38 | $39 | $40 | $41 | $42 |
| ▂▁▁▁▂▃██ | Gross Loans ($M) | $250 | $245 | $245 | $247 | $251 | $256 | $284 | $281 |
| ▁▁▃▁▁▄█▇ | Total Deposits ($M) | $257 | $258 | $267 | $259 | $259 | $271 | $289 | $283 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 17% |
| Agricultural | 1% |
| Consumer | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 35% |
| Interest-Bearing (core) | 52% |
| Brokered / Other | 13% |