Quarterly Snapshot
| Metric | Q1'26 | YoY Δ | Q1'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.01% | +0.10 | 0.92% |
| Return on Equity (%) | ▲ | 8.34% | +0.17 | 8.17% |
| Net Interest Margin (%) | ▲ | 4.09% | +0.22 | 3.87% |
| Efficiency Ratio (%) | ▲ | 66.61% | -2.38 | 68.98% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.07 | $0 |
| Cost of Funds (%) | ▲ | 1.64% | -0.22 | 1.85% |
| Balance Sheet | ||||
| Total Assets ($M) | ▼ | $156 | -1.89 | $158 |
| Gross Loans ($M) | ▲ | $107 | +7.13 | $100 |
| Loan Growth YoY (%) | ▲ | 85.27% | +2.42 | 82.85% |
| Total Deposits ($M) | ▲ | $122 | +3.62 | $118 |
| Shareholders Equity ($M) | ▲ | $18 | +0.98 | $17 |
| Tang. Book Value ($M) | ▲ | $18 | +0.98 | $17 |
| TBV excl. AOCI ($M)** | ▲ | $20 | +0.43 | $20 |
| Loan / Deposit Ratio (%) | ▲ | 85.27% | +2.42 | 82.85% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 4.01% | +3.54 | 0.47% |
| Allowance / Loans (%) | — | 2.99% | 0.97% | 2.02% |
| Net Charge-Off Ratio (%) | ▼ | 5.86% | +5.61 | 0.25% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q2'24 | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▃▅▇███ | Net Interest Margin (%) | 3.50% | 3.59% | 3.68% | 3.87% | 3.97% | 4.05% | 4.05% | 4.09% |
| ▁▃▅▇▇█▅█ | Return on Assets (%) | 0.31% | 0.52% | 0.74% | 0.92% | 0.92% | 1.08% | 0.71% | 1.01% |
| █▇▅▂▂▁▁▂ | Efficiency Ratio (%) | 84.5% | 81.0% | 76.1% | 69.0% | 67.4% | 64.1% | 64.0% | 66.6% |
| ▇█▇▄▆▅▆▁ | Cost of Funds (%) | 1.99% | 2.10% | 2.02% | 1.85% | 1.96% | 1.92% | 1.96% | 1.64% |
| ▁▁▁▁▁▁██ | NPA / Assets (%) | 0.58% | 0.46% | 0.53% | 0.47% | 0.54% | 0.52% | 4.16% | 4.01% |
| ▁▁▁▁▁▁██ | Net Charge-Off Ratio (%) | 0.38% | 0.24% | 0.33% | 0.25% | 0.26% | 0.24% | 5.58% | 5.86% |
| ▁▄▄▄▅██▆ | Tang. Book Value ($M) | $16 | $17 | $17 | $17 | $18 | $19 | $19 | $18 |
| ▁▁▁▅▅▂▆█ | Gross Loans ($M) | $93 | $92 | $92 | $100 | $100 | $94 | $103 | $107 |
| ▅▅▁▆██▃█ | Total Deposits ($M) | $116 | $117 | $110 | $118 | $121 | $121 | $114 | $122 |
Portfolio Composition — Q1'26
| Loan Mix | % |
|---|---|
| Real Estate | 53% |
| C&I / Commercial | 19% |
| Agricultural | 19% |
| Consumer | 3% |
| Other | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 28% |
| Interest-Bearing (core) | 61% |
| Brokered / Other | 12% |