Quarterly Snapshot
| Metric | Q1'26 | YoY Δ | Q1'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 3.41% | +0.02 | 3.39% |
| Return on Equity (%) | ▼ | 23.08% | -1.79 | 24.87% |
| Net Interest Margin (%) | ▲ | 7.10% | +0.82 | 6.29% |
| Efficiency Ratio (%) | ▼ | 44.57% | +3.00 | 41.57% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.09 | $1 |
| Cost of Funds (%) | ▲ | 1.12% | -0.14 | 1.26% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $163 | +3.37 | $160 |
| Gross Loans ($M) | ▲ | $110 | +9.53 | $100 |
| Loan Growth YoY (%) | ▲ | 79.40% | +6.68 | 72.72% |
| Total Deposits ($M) | ▲ | $137 | +0.62 | $136 |
| Shareholders Equity ($M) | ▲ | $25 | +2.68 | $22 |
| Tang. Book Value ($M) | ▲ | $25 | +2.68 | $22 |
| Loan / Deposit Ratio (%) | ▲ | 79.40% | +6.68 | 72.72% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.53% | -1.61 | 2.13% |
| Allowance / Loans (%) | — | 1.16% | -0.15% | 1.31% |
| Net Charge-Off Ratio (%) | ▲ | 0.78% | -2.62 | 3.40% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q2'24 | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▂▃▃▁▂▃▄█ | Net Interest Margin (%) | 6.47% | 6.49% | 6.55% | 6.29% | 6.43% | 6.50% | 6.65% | 7.10% |
| ██▅▇▁▂▁█ | Return on Assets (%) | 3.53% | 3.42% | 3.08% | 3.39% | 2.48% | 2.66% | 2.58% | 3.41% |
| ▂▂█▁▃▅█▃ | Efficiency Ratio (%) | 43.4% | 43.1% | 49.3% | 41.6% | 44.0% | 46.3% | 50.3% | 44.6% |
| ███▅▆▁▃▁ | Cost of Funds (%) | 1.37% | 1.37% | 1.37% | 1.26% | 1.30% | 1.14% | 1.18% | 1.12% |
| ▅▅▆▆█▁▁▁ | NPA / Assets (%) | 1.92% | 1.76% | 2.20% | 2.13% | 2.89% | 0.45% | 0.35% | 0.53% |
| ▆▆█▇█▁▁▁ | Net Charge-Off Ratio (%) | 2.95% | 2.78% | 3.49% | 3.40% | 3.84% | 0.68% | 0.50% | 0.78% |
| ▁▄▁▄▅▇▆█ | Tang. Book Value ($M) | $20 | $22 | $21 | $22 | $23 | $24 | $23 | $25 |
| ▁▁▁▄▅▆██ | Gross Loans ($M) | $94 | $95 | $96 | $100 | $102 | $105 | $110 | $110 |
| ▁▃▅█▇▇██ | Total Deposits ($M) | $122 | $127 | $130 | $136 | $134 | $134 | $135 | $137 |
Portfolio Composition — Q1'26
| Loan Mix | % |
|---|---|
| Real Estate | 76% |
| C&I / Commercial | 15% |
| Agricultural | 5% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 37% |
| Interest-Bearing (core) | 56% |
| Brokered / Other | 8% |