Quarterly Snapshot
| Metric | Q1'26 | YoY Δ | Q1'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.91% | +0.07 | 0.84% |
| Return on Equity (%) | ▼ | 12.21% | -0.97 | 13.18% |
| Net Interest Margin (%) | ▲ | 2.92% | +0.26 | 2.65% |
| Efficiency Ratio (%) | ▲ | 65.72% | -1.07 | 66.79% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.05 | $0 |
| Cost of Funds (%) | ▲ | 1.19% | -0.18 | 1.38% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $175 | +5.47 | $170 |
| Gross Loans ($M) | ▲ | $70 | +6.50 | $64 |
| Loan Growth YoY (%) | ▲ | 43.74% | +3.16 | 40.57% |
| Total Deposits ($M) | ▲ | $159 | +3.52 | $156 |
| Shareholders Equity ($M) | ▲ | $13 | +1.74 | $11 |
| Tang. Book Value ($M) | ▲ | $13 | +1.74 | $11 |
| TBV excl. AOCI ($M)** | ▲ | $17 | +1.63 | $15 |
| Loan / Deposit Ratio (%) | ▲ | 43.74% | +3.16 | 40.57% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.02% | -0.05% | 1.07% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 17.33% | -0.45 | 17.78% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q2'24 | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▂▃▃▅█ | Net Interest Margin (%) | 2.64% | 2.61% | 2.65% | 2.65% | 2.70% | 2.71% | 2.79% | 2.92% |
| ▁▁▃▅▆▇██ | Return on Assets (%) | 0.74% | 0.75% | 0.78% | 0.84% | 0.85% | 0.88% | 0.89% | 0.91% |
| ██▇▂▂▁▁▁ | Efficiency Ratio (%) | 70.8% | 70.2% | 70.1% | 66.8% | 67.0% | 65.8% | 65.8% | 65.7% |
| ▄▁▇▆█▄▆▃ | Cost of Funds (%) | 1.27% | 1.08% | 1.45% | 1.38% | 1.50% | 1.26% | 1.38% | 1.19% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▃▃▄▅▇██ | Tang. Book Value ($M) | $9 | $10 | $10 | $11 | $11 | $12 | $12 | $13 |
| ▁▁▄▄▅▇██ | Gross Loans ($M) | $58 | $58 | $64 | $64 | $65 | $70 | $72 | $70 |
| ▁▇▄▇▂█▃█ | Total Deposits ($M) | $138 | $154 | $148 | $156 | $142 | $158 | $144 | $159 |
Portfolio Composition — Q1'26
| Loan Mix | % |
|---|---|
| Real Estate | 64% |
| C&I / Commercial | 13% |
| Agricultural | 21% |
| Consumer | 1% |
| Other | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 13% |
| Interest-Bearing (core) | 80% |
| Brokered / Other | 7% |