Quarterly Snapshot
| Metric | Q1'26 | YoY Δ | Q1'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.77% | +0.05 | 0.72% |
| Return on Equity (%) | ▲ | 5.88% | +0.29 | 5.59% |
| Net Interest Margin (%) | ▲ | 3.97% | +0.38 | 3.59% |
| Efficiency Ratio (%) | ▼ | 75.42% | +0.26 | 75.16% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.04 | $0 |
| Cost of Funds (%) | ▲ | 1.19% | -0.20 | 1.39% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $120 | +5.99 | $114 |
| Gross Loans ($M) | ▲ | $80 | +2.90 | $77 |
| Loan Growth YoY (%) | ▼ | 77.51% | -3.27 | 80.78% |
| Total Deposits ($M) | ▲ | $102 | +7.56 | $94 |
| Shareholders Equity ($M) | ▲ | $15 | +0.76 | $15 |
| Tang. Book Value ($M) | ▲ | $15 | +0.76 | $15 |
| TBV excl. AOCI ($M)** | ▲ | $17 | +0.72 | $16 |
| Loan / Deposit Ratio (%) | ▼ | 77.51% | -3.27 | 80.78% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.84% | -0.75 | 1.58% |
| Allowance / Loans (%) | — | 1.60% | 0.09% | 1.50% |
| Net Charge-Off Ratio (%) | ▲ | 1.25% | -0.38 | 1.64% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 24.14% | +0.18 | 23.97% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q2'24 | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▂▄▇▇█ | Net Interest Margin (%) | 3.47% | 3.49% | 3.55% | 3.59% | 3.68% | 3.84% | 3.87% | 3.97% |
| ▁▂▃▄▃█▇▆ | Return on Assets (%) | 0.64% | 0.68% | 0.70% | 0.72% | 0.69% | 0.84% | 0.81% | 0.77% |
| █▇▅▄▅▁▁▄ | Efficiency Ratio (%) | 77.9% | 76.7% | 75.8% | 75.2% | 76.0% | 72.9% | 73.3% | 75.4% |
| ▆▆█▇▆▆▆▁ | Cost of Funds (%) | 1.36% | 1.36% | 1.44% | 1.39% | 1.35% | 1.36% | 1.36% | 1.19% |
| ▆▃█▇▇▁▄▁ | NPA / Assets (%) | 1.57% | 1.19% | 1.82% | 1.58% | 1.60% | 0.88% | 1.22% | 0.84% |
| ▇▄█▃▃▁▄▁ | Net Charge-Off Ratio (%) | 2.41% | 1.82% | 2.62% | 1.64% | 1.72% | 1.32% | 1.86% | 1.25% |
| ▁▅▂▄▅▇█▇ | Tang. Book Value ($M) | $14 | $15 | $14 | $15 | $15 | $15 | $16 | $15 |
| ▁▁▅▅▅▇▅█ | Gross Loans ($M) | $74 | $75 | $78 | $77 | $78 | $79 | $77 | $80 |
| ▂▃▁▂▅▆▅█ | Total Deposits ($M) | $95 | $95 | $92 | $94 | $97 | $98 | $98 | $102 |
Portfolio Composition — Q1'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| Consumer | 10% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 31% |
| Interest-Bearing (core) | 62% |
| Brokered / Other | 6% |