Quarterly Snapshot
| Metric | Q1'26 | YoY Δ | Q1'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.55% | +0.18 | 1.37% |
| Return on Equity (%) | ▲ | 13.65% | +1.95 | 11.70% |
| Net Interest Margin (%) | ▲ | 4.17% | +0.47 | 3.70% |
| Efficiency Ratio (%) | ▲ | 41.25% | -0.79 | 42.04% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.19 | $1 |
| Cost of Funds (%) | ▲ | 1.85% | -0.46 | 2.32% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $209 | +12.11 | $197 |
| Gross Loans ($M) | ▲ | $180 | +10.66 | $169 |
| Loan Growth YoY (%) | ▼ | 97.60% | -0.31 | 97.91% |
| Total Deposits ($M) | ▲ | $183 | +11.11 | $171 |
| Shareholders Equity ($M) | ▲ | $23 | +0.69 | $23 |
| Tang. Book Value ($M) | ▲ | $21 | +1.59 | $19 |
| Loan / Deposit Ratio (%) | ▼ | 97.60% | -0.31 | 97.91% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.77% | +0.60 | 0.17% |
| Allowance / Loans (%) | — | 0.86% | 0.16% | 0.70% |
| Net Charge-Off Ratio (%) | ▼ | 0.86% | +0.67 | 0.19% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q2'24 | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▇▁▃▄▅▇ | Net Interest Margin (%) | 4.28% | 4.21% | 4.16% | 3.70% | 3.88% | 3.99% | 4.06% | 4.17% |
| ▅▂▁▄▅▆▆█ | Return on Assets (%) | 1.40% | 1.26% | 1.20% | 1.37% | 1.39% | 1.43% | 1.46% | 1.55% |
| ▁▁█▃▆▆▇▁ | Efficiency Ratio (%) | 40.9% | 41.1% | 44.4% | 42.0% | 43.4% | 43.3% | 43.9% | 41.2% |
| ▇▇█▇█▅▂▁ | Cost of Funds (%) | 2.30% | 2.30% | 2.39% | 2.32% | 2.36% | 2.17% | 1.98% | 1.85% |
| ▂▂▁▁▃▅▆█ | NPA / Assets (%) | 0.30% | 0.27% | 0.21% | 0.17% | 0.34% | 0.50% | 0.57% | 0.77% |
| ▂▂▁▁▃▅▆█ | Net Charge-Off Ratio (%) | 0.33% | 0.31% | 0.23% | 0.19% | 0.38% | 0.55% | 0.62% | 0.86% |
| ▁▂▁▄▃▆▆█ | Tang. Book Value ($M) | $18 | $18 | $18 | $19 | $19 | $20 | $20 | $21 |
| ▁▁▄▃▅▄██ | Gross Loans ($M) | $162 | $164 | $170 | $169 | $173 | $171 | $181 | $180 |
| ▁▃▃▆▄▄▅█ | Total Deposits ($M) | $151 | $160 | $161 | $171 | $165 | $166 | $170 | $183 |
Portfolio Composition — Q1'26
| Loan Mix | % |
|---|---|
| Real Estate | 68% |
| C&I / Commercial | 9% |
| Agricultural | 20% |
| Consumer | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 22% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 8% |