Quarterly Snapshot
| Metric | Q1'26 | YoY Δ | Q1'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.55% | +0.19 | 2.36% |
| Return on Equity (%) | ▲ | 30.52% | +3.22 | 27.30% |
| Net Interest Margin (%) | ▲ | 4.80% | +0.19 | 4.60% |
| Efficiency Ratio (%) | ▼ | 47.23% | +0.27 | 46.96% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.12 | $2 |
| Cost of Funds (%) | ▲ | 1.56% | -0.06 | 1.62% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $259 | +9.68 | $249 |
| Gross Loans ($M) | ▼ | $205 | -0.46 | $205 |
| Loan Growth YoY (%) | ▼ | 85.53% | -3.70 | 89.22% |
| Total Deposits ($M) | ▲ | $235 | +9.31 | $226 |
| Shareholders Equity ($M) | ▲ | $22 | +0.26 | $22 |
| Tang. Book Value ($M) | ▲ | $21 | +0.31 | $21 |
| Loan / Deposit Ratio (%) | ▼ | 85.53% | -3.70 | 89.22% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.53% | +0.23 | 0.30% |
| Allowance / Loans (%) | — | 1.73% | -0.03% | 1.76% |
| Net Charge-Off Ratio (%) | ▼ | 0.67% | +0.31 | 0.36% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 11.54% | -0.06 | 11.59% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q2'24 | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▅▆█▇█ | Net Interest Margin (%) | 4.36% | 4.40% | 4.43% | 4.60% | 4.68% | 4.75% | 4.73% | 4.80% |
| ▁▂▃▁▅██▇ | Return on Assets (%) | 2.34% | 2.39% | 2.42% | 2.36% | 2.50% | 2.57% | 2.59% | 2.55% |
| ▄▄▂▇▄▂▁█ | Efficiency Ratio (%) | 46.4% | 46.4% | 46.0% | 47.0% | 46.4% | 46.1% | 45.7% | 47.2% |
| ▁█▄▃▃▄▁▁ | Cost of Funds (%) | 1.58% | 1.81% | 1.68% | 1.62% | 1.63% | 1.65% | 1.55% | 1.56% |
| ▄▃▃▁▁▄█▅ | NPA / Assets (%) | 0.48% | 0.38% | 0.40% | 0.30% | 0.27% | 0.48% | 0.69% | 0.53% |
| ▅▂▃▁▁▄█▅ | Net Charge-Off Ratio (%) | 0.62% | 0.46% | 0.49% | 0.36% | 0.33% | 0.60% | 0.89% | 0.67% |
| ▃▇▁▃▆█▂▄ | Tang. Book Value ($M) | $21 | $22 | $20 | $21 | $22 | $23 | $21 | $21 |
| ▁▂▆▆▅▄█▆ | Gross Loans ($M) | $197 | $199 | $204 | $205 | $204 | $202 | $208 | $205 |
| ▂▁▄▃▃▂█▆ | Total Deposits ($M) | $223 | $218 | $228 | $226 | $225 | $224 | $244 | $235 |
Portfolio Composition — Q1'26
| Loan Mix | % |
|---|---|
| Real Estate | 66% |
| C&I / Commercial | 18% |
| Agricultural | 10% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 21% |
| Interest-Bearing (core) | 74% |
| Brokered / Other | 5% |