Quarterly Snapshot
| Metric | Q1'26 | YoY Δ | Q1'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.99% | +0.37 | 1.62% |
| Return on Equity (%) | ▲ | 24.69% | +3.48 | 21.21% |
| Net Interest Margin (%) | ▲ | 4.64% | +0.19 | 4.45% |
| Efficiency Ratio (%) | ▲ | 58.98% | -7.07 | 66.05% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.18 | $1 |
| Cost of Funds (%) | ▲ | 1.13% | -0.01 | 1.14% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $135 | +9.40 | $125 |
| Gross Loans ($M) | ▲ | $100 | +14.81 | $85 |
| Loan Growth YoY (%) | ▲ | 79.81% | +7.11 | 72.71% |
| Total Deposits ($M) | ▲ | $124 | +8.23 | $115 |
| Shareholders Equity ($M) | ▲ | $11 | +1.25 | $10 |
| Tang. Book Value ($M) | ▲ | $10 | +1.25 | $9 |
| TBV excl. AOCI ($M)** | ▲ | $11 | +1.04 | $10 |
| Loan / Deposit Ratio (%) | ▲ | 79.81% | +7.11 | 72.71% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.25% | -0.17% | 1.42% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.77% | -1.09 | 13.87% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q2'24 | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▄▇▇██ | Net Interest Margin (%) | 4.32% | 4.36% | 4.44% | 4.45% | 4.58% | 4.59% | 4.61% | 4.64% |
| ▁▂▂▄▄▆▇█ | Return on Assets (%) | 1.37% | 1.46% | 1.53% | 1.62% | 1.63% | 1.83% | 1.89% | 1.99% |
| ██▇▅▆▃▂▁ | Efficiency Ratio (%) | 70.3% | 69.0% | 68.3% | 66.0% | 66.3% | 62.6% | 61.7% | 59.0% |
| ▁▃▃▇█▆█▆ | Cost of Funds (%) | 1.00% | 1.05% | 1.06% | 1.14% | 1.18% | 1.14% | 1.18% | 1.13% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▄▃▄▅███ | Tang. Book Value ($M) | $8 | $9 | $9 | $9 | $9 | $10 | $10 | $10 |
| ▁▂▃▃▃▅██ | Gross Loans ($M) | $78 | $82 | $86 | $85 | $85 | $89 | $98 | $100 |
| ▃▃▁▄▃▅▄█ | Total Deposits ($M) | $114 | $114 | $108 | $115 | $114 | $117 | $115 | $124 |
Portfolio Composition — Q1'26
| Loan Mix | % |
|---|---|
| Real Estate | 79% |
| C&I / Commercial | 10% |
| Agricultural | 2% |
| Consumer | 5% |
| Other | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 33% |
| Interest-Bearing (core) | 54% |
| Brokered / Other | 13% |