Quarterly Snapshot
| Metric | Q2'26 | YoY Δ | Q2'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.47% | +0.30 | 1.17% |
| Return on Equity (%) | ▲ | 16.08% | +2.73 | 13.35% |
| Net Interest Margin (%) | ▲ | 4.00% | +0.46 | 3.53% |
| Efficiency Ratio (%) | ▲ | 53.09% | -6.75 | 59.85% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.40 | $1 |
| Cost of Funds (%) | ▲ | 2.02% | -0.07 | 2.10% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $357 | +39.54 | $318 |
| Gross Loans ($M) | ▲ | $274 | +38.39 | $235 |
| Loan Growth YoY (%) | ▲ | 91.29% | +4.93 | 86.37% |
| Total Deposits ($M) | ▲ | $296 | +26.77 | $269 |
| Shareholders Equity ($M) | ▲ | $32 | +4.26 | $28 |
| Tang. Book Value ($M) | ▲ | $29 | +4.26 | $24 |
| TBV excl. AOCI ($M)** | ▲ | $32 | +3.94 | $28 |
| Loan / Deposit Ratio (%) | ▲ | 91.29% | +4.93 | 86.37% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.12% | +0.06 | 0.07% |
| Allowance / Loans (%) | — | 1.27% | 0.09% | 1.18% |
| Net Charge-Off Ratio (%) | ▼ | 0.16% | +0.07 | 0.09% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 10.33% | -0.31 | 10.64% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | Q2'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▃▅▆▇██ | Net Interest Margin (%) | 3.06% | 3.12% | 3.38% | 3.53% | 3.68% | 3.76% | 3.95% | 4.00% |
| ▁▂▆▆▆█▆█ | Return on Assets (%) | 0.61% | 0.75% | 1.15% | 1.17% | 1.22% | 1.40% | 1.20% | 1.47% |
| █▇▄▃▃▂▁▁ | Efficiency Ratio (%) | 77.1% | 72.9% | 61.3% | 59.8% | 58.0% | 56.0% | 51.4% | 53.1% |
| █▇▄▃▃▂▁▂ | Cost of Funds (%) | 2.53% | 2.38% | 2.15% | 2.10% | 2.12% | 2.00% | 1.91% | 2.02% |
| ▂▃▁▁▁███ | NPA / Assets (%) | 0.07% | 0.08% | 0.07% | 0.07% | 0.06% | 0.12% | 0.12% | 0.12% |
| ▃▃▂▁▁███ | Net Charge-Off Ratio (%) | 0.11% | 0.11% | 0.09% | 0.09% | 0.08% | 0.16% | 0.15% | 0.16% |
| ▁▁▂▃▅▇▇█ | Tang. Book Value ($M) | $23 | $22 | $24 | $24 | $26 | $28 | $28 | $29 |
| ▁▂▂▃▅▆██ | Gross Loans ($M) | $213 | $221 | $225 | $235 | $249 | $258 | $271 | $274 |
| ▁▁▂▂▁▃▆█ | Total Deposits ($M) | $263 | $263 | $267 | $269 | $262 | $273 | $284 | $296 |
Portfolio Composition — Q2'26
| Loan Mix | % |
|---|---|
| Real Estate | 45% |
| C&I / Commercial | 11% |
| Agricultural | 38% |
| Consumer | 2% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 17% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 15% |