Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.85% | +0.84 | 1.01% |
| Return on Equity (%) | ▲ | 16.78% | +7.19 | 9.59% |
| Net Interest Margin (%) | ▲ | 6.20% | +1.21 | 4.99% |
| Efficiency Ratio (%) | ▲ | 67.11% | -12.96 | 80.07% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.63 | $0 |
| Cost of Funds (%) | ▲ | 0.89% | -0.05 | 0.94% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $165 | +2.36 | $162 |
| Gross Loans ($M) | ▲ | $126 | +8.12 | $118 |
| Loan Growth YoY (%) | ▲ | 86.58% | +4.63 | 81.95% |
| Total Deposits ($M) | ▲ | $144 | +1.56 | $142 |
| Shareholders Equity ($M) | ▲ | $19 | +0.94 | $18 |
| Tang. Book Value ($M) | ▲ | $17 | +0.94 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $18 | +0.97 | $17 |
| Loan / Deposit Ratio (%) | ▲ | 86.58% | +4.63 | 81.95% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.94% | -1.40 | 2.34% |
| Allowance / Loans (%) | — | 1.61% | 0.05% | 1.56% |
| Net Charge-Off Ratio (%) | ▲ | 1.23% | -1.98 | 3.21% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▁▂▂▆█ | Net Interest Margin (%) | 4.94% | 4.87% | 4.87% | 4.99% | 5.15% | 5.17% | 5.76% | 6.20% |
| ▁▁▁▂▃▂▄█ | Return on Assets (%) | 0.82% | 0.85% | 0.90% | 1.01% | 1.10% | 1.08% | 1.29% | 1.85% |
| ███▇▆▆▄▁ | Efficiency Ratio (%) | 83.6% | 82.8% | 81.8% | 80.1% | 78.5% | 77.7% | 74.3% | 67.1% |
| █▄▄▂▂▁▁▁ | Cost of Funds (%) | 1.30% | 1.10% | 1.06% | 0.94% | 0.94% | 0.93% | 0.89% | 0.89% |
| ▁██████▃ | NPA / Assets (%) | 0.20% | 2.37% | 2.32% | 2.34% | 2.24% | 2.22% | 2.13% | 0.94% |
| ▁███▇▄▁▃ | Net Charge-Off Ratio (%) | 0.28% | 3.49% | 3.37% | 3.21% | 2.90% | 1.60% | 0.25% | 1.23% |
| ▁▁▂▄▆▆▆█ | Tang. Book Value ($M) | $16 | $16 | $16 | $16 | $17 | $17 | $17 | $17 |
| ▁▂▁▃▅▆▅█ | Gross Loans ($M) | $114 | $115 | $114 | $118 | $121 | $123 | $121 | $126 |
| ▂█▆▄▁▇▆▅ | Total Deposits ($M) | $139 | $150 | $145 | $142 | $136 | $148 | $146 | $144 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 73% |
| C&I / Commercial | 14% |
| Agricultural | 5% |
| Consumer | 3% |
| Other | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 3% |