Quarterly Snapshot
| Metric | Q1'26 | YoY Δ | Q1'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.61% | -0.14 | 1.75% |
| Return on Equity (%) | ▼ | 12.49% | -0.09 | 12.58% |
| Net Interest Margin (%) | ▼ | 3.55% | -0.24 | 3.79% |
| Efficiency Ratio (%) | ▲ | 38.76% | -1.32 | 40.07% |
| Pre-Provision Profit ($M) | ▲ | $2 | +0.10 | $2 |
| Cost of Funds (%) | ▲ | 2.45% | -0.26 | 2.71% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $316 | +33.95 | $282 |
| Gross Loans ($M) | ▲ | $230 | +1.27 | $229 |
| Loan Growth YoY (%) | ▼ | 83.00% | -10.50 | 93.49% |
| Total Deposits ($M) | ▲ | $273 | +31.81 | $241 |
| Shareholders Equity ($M) | ▲ | $41 | +1.65 | $40 |
| Tang. Book Value ($M) | ▲ | $41 | +1.65 | $40 |
| Loan / Deposit Ratio (%) | ▼ | 83.00% | -10.50 | 93.49% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.22% | +0.14 | 0.08% |
| Allowance / Loans (%) | — | 1.42% | 0.09% | 1.33% |
| Net Charge-Off Ratio (%) | ▼ | 0.31% | +0.21 | 0.10% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q2'24 | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▃▄▆▆█▇▁ | Net Interest Margin (%) | 3.65% | 3.66% | 3.69% | 3.79% | 3.81% | 3.92% | 3.87% | 3.55% |
| ▇▅▅▃██▅▁ | Return on Assets (%) | 1.90% | 1.81% | 1.80% | 1.75% | 1.94% | 1.99% | 1.82% | 1.61% |
| ▁▂▅█▂▁▄▇ | Efficiency Ratio (%) | 33.5% | 34.6% | 36.9% | 40.1% | 33.8% | 32.9% | 36.3% | 38.8% |
| ▇█▇▅▄▃▁▁ | Cost of Funds (%) | 2.81% | 2.90% | 2.81% | 2.71% | 2.66% | 2.59% | 2.42% | 2.45% |
| ▄▂█▁▄▃▄▃ | NPA / Assets (%) | 0.31% | 0.18% | 0.57% | 0.08% | 0.30% | 0.26% | 0.28% | 0.22% |
| ▄▂█▁▄▄▄▃ | Net Charge-Off Ratio (%) | 0.37% | 0.21% | 0.68% | 0.10% | 0.38% | 0.33% | 0.36% | 0.31% |
| ▅▇▁▃▆█▄▆ | Tang. Book Value ($M) | $41 | $42 | $38 | $40 | $41 | $43 | $40 | $41 |
| ▁▁▄▂▁▄█▃ | Gross Loans ($M) | $225 | $226 | $232 | $229 | $226 | $232 | $242 | $230 |
| ▁▁▂▃▄▅██ | Total Deposits ($M) | $227 | $227 | $235 | $241 | $245 | $253 | $269 | $273 |
Portfolio Composition — Q1'26
| Loan Mix | % |
|---|---|
| Real Estate | 55% |
| C&I / Commercial | 14% |
| Agricultural | 26% |
| Consumer | 2% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 17% |