Quarterly Snapshot
| Metric | Q1'26 | YoY Δ | Q1'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.36% | +0.28 | 2.08% |
| Return on Equity (%) | ▲ | 12.22% | +1.07 | 11.15% |
| Net Interest Margin (%) | ▲ | 4.83% | +0.29 | 4.54% |
| Efficiency Ratio (%) | ▲ | 39.49% | -3.88 | 43.38% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.20 | $1 |
| Cost of Funds (%) | ▲ | 1.50% | -0.08 | 1.59% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $185 | +4.99 | $180 |
| Gross Loans ($M) | ▲ | $141 | +17.70 | $124 |
| Loan Growth YoY (%) | ▲ | 94.65% | +10.08 | 84.57% |
| Total Deposits ($M) | ▲ | $147 | +3.04 | $144 |
| Shareholders Equity ($M) | ▲ | $36 | +1.85 | $35 |
| Tang. Book Value ($M) | ▲ | $36 | +1.85 | $35 |
| Loan / Deposit Ratio (%) | ▲ | 94.65% | +10.08 | 84.57% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.79% | +0.32 | 0.46% |
| Allowance / Loans (%) | — | 1.29% | 0.03% | 1.27% |
| Net Charge-Off Ratio (%) | ▼ | 1.03% | +0.36 | 0.67% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q2'24 | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▆▆▅▁▄▇█▇ | Net Interest Margin (%) | 4.76% | 4.77% | 4.74% | 4.54% | 4.70% | 4.83% | 4.87% | 4.83% |
| ▇▇▁▃▃▄▁█ | Return on Assets (%) | 2.28% | 2.27% | 1.95% | 2.08% | 2.08% | 2.12% | 1.97% | 2.36% |
| ▂▂█▄▆▅█▁ | Efficiency Ratio (%) | 40.7% | 41.1% | 47.6% | 43.4% | 44.7% | 43.9% | 47.4% | 39.5% |
| ▁▆▅▇██▅▂ | Cost of Funds (%) | 1.47% | 1.57% | 1.55% | 1.59% | 1.62% | 1.61% | 1.56% | 1.50% |
| ▁▃▃▂▃▄▆█ | NPA / Assets (%) | 0.36% | 0.49% | 0.49% | 0.46% | 0.49% | 0.53% | 0.67% | 0.79% |
| ▁▃▄▃▂▃▇█ | Net Charge-Off Ratio (%) | 0.50% | 0.69% | 0.71% | 0.67% | 0.61% | 0.65% | 0.91% | 1.03% |
| ▁▃▂▄▇█▇█ | Tang. Book Value ($M) | $33 | $34 | $34 | $35 | $36 | $36 | $36 | $36 |
| ▁▂▁▁▆█▅▆ | Gross Loans ($M) | $125 | $127 | $124 | $124 | $140 | $149 | $139 | $141 |
| ▁▃█▄▁▅█▆ | Total Deposits ($M) | $141 | $142 | $152 | $144 | $139 | $146 | $152 | $147 |
Portfolio Composition — Q1'26
| Loan Mix | % |
|---|---|
| Real Estate | 45% |
| C&I / Commercial | 18% |
| Agricultural | 22% |
| Consumer | 14% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 16% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 13% |