Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.29% | +0.27 | 1.03% |
| Return on Equity (%) | ▲ | 10.23% | +2.07 | 8.16% |
| Net Interest Margin (%) | ▲ | 3.68% | +0.35 | 3.32% |
| Efficiency Ratio (%) | ▲ | 54.40% | -6.44 | 60.84% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.12 | $0 |
| Cost of Funds (%) | ▲ | 1.40% | -0.26 | 1.66% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $107 | +4.21 | $103 |
| Gross Loans ($M) | ▲ | $53 | +7.21 | $46 |
| Loan Growth YoY (%) | ▲ | 56.19% | +5.52 | 50.67% |
| Total Deposits ($M) | ▲ | $93 | +3.82 | $89 |
| Shareholders Equity ($M) | ▲ | $14 | +0.42 | $13 |
| Tang. Book Value ($M) | ▲ | $14 | +0.42 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +0.40 | $15 |
| Loan / Deposit Ratio (%) | ▲ | 56.19% | +5.52 | 50.67% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.10% | +0.09 | 0.01% |
| Allowance / Loans (%) | — | 1.44% | 0.10% | 1.33% |
| Net Charge-Off Ratio (%) | ▼ | 0.19% | +0.17 | 0.02% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▄▅▆▇█ | Net Interest Margin (%) | 2.99% | 3.02% | 3.22% | 3.32% | 3.39% | 3.46% | 3.59% | 3.68% |
| ▁▁▃▅▅▄██ | Return on Assets (%) | 0.76% | 0.78% | 0.95% | 1.03% | 1.08% | 1.02% | 1.26% | 1.29% |
| ██▆▅▃▄▂▁ | Efficiency Ratio (%) | 67.0% | 66.5% | 62.8% | 60.8% | 58.2% | 60.2% | 56.7% | 54.4% |
| █▅▄▅▄▂▁▁ | Cost of Funds (%) | 1.87% | 1.64% | 1.62% | 1.66% | 1.64% | 1.48% | 1.43% | 1.40% |
| ▁▁▁▁██▅▅ | NPA / Assets (%) | 0.01% | 0.01% | 0.01% | 0.01% | 0.17% | 0.17% | 0.10% | 0.10% |
| ▁▁▁▁██▅▄ | Net Charge-Off Ratio (%) | 0.03% | 0.02% | 0.02% | 0.02% | 0.37% | 0.33% | 0.21% | 0.19% |
| ▄▁▃▅█▅▅▇ | Tang. Book Value ($M) | $13 | $12 | $13 | $13 | $14 | $13 | $13 | $14 |
| ▁▇▂▁▃█▅▇ | Gross Loans ($M) | $47 | $53 | $48 | $46 | $49 | $55 | $51 | $53 |
| ▁▂▃▅▅▄▇█ | Total Deposits ($M) | $85 | $86 | $87 | $89 | $89 | $88 | $92 | $93 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 35% |
| C&I / Commercial | 16% |
| Agricultural | 45% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 9% |