Quarterly Snapshot
| Metric | Q1'26 | YoY Δ | Q1'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.75% | -0.29 | 1.04% |
| Return on Equity (%) | ▼ | 8.01% | -2.90 | 10.91% |
| Net Interest Margin (%) | ▼ | 4.41% | -0.09 | 4.51% |
| Efficiency Ratio (%) | ▼ | 73.00% | +3.20 | 69.80% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.03 | $1 |
| Cost of Funds (%) | ▼ | 1.22% | +0.14 | 1.08% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $210 | +20.59 | $189 |
| Gross Loans ($M) | ▲ | $144 | +12.85 | $131 |
| Loan Growth YoY (%) | ▼ | 74.82% | -0.88 | 75.70% |
| Total Deposits ($M) | ▲ | $190 | +19.02 | $171 |
| Shareholders Equity ($M) | ▲ | $20 | +1.56 | $18 |
| Tang. Book Value ($M) | ▲ | $20 | +1.61 | $18 |
| TBV excl. AOCI ($M)** | ▲ | $21 | +1.53 | $19 |
| Loan / Deposit Ratio (%) | ▼ | 74.82% | -0.88 | 75.70% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.22% | -0.02 | 0.24% |
| Allowance / Loans (%) | — | 1.60% | -0.06% | 1.66% |
| Net Charge-Off Ratio (%) | ▲ | 0.32% | -0.02 | 0.34% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 13.59% | +0.19 | 13.40% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q2'24 | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ██▇▂▃██▁ | Net Interest Margin (%) | 4.88% | 4.84% | 4.82% | 4.51% | 4.58% | 4.82% | 4.83% | 4.41% |
| █▇█▅▅▇▇▁ | Return on Assets (%) | 1.22% | 1.16% | 1.17% | 1.04% | 1.01% | 1.13% | 1.14% | 0.75% |
| ▂▂▃▄▃▁▂█ | Efficiency Ratio (%) | 67.9% | 68.6% | 69.0% | 69.8% | 69.2% | 67.2% | 68.5% | 73.0% |
| ▁▃▃▆██▇█ | Cost of Funds (%) | 0.82% | 0.94% | 0.96% | 1.08% | 1.17% | 1.17% | 1.12% | 1.22% |
| ▇█▁▄█▁▁▂ | NPA / Assets (%) | 0.27% | 0.28% | 0.21% | 0.24% | 0.28% | 0.21% | 0.21% | 0.22% |
| ▅▆▁▄█▁▁▂ | Net Charge-Off Ratio (%) | 0.36% | 0.37% | 0.31% | 0.34% | 0.40% | 0.30% | 0.30% | 0.32% |
| ▁▂▂▄▅▇▇█ | Tang. Book Value ($M) | $17 | $17 | $17 | $18 | $18 | $19 | $19 | $20 |
| ▁▂▂▃▅▇▆█ | Gross Loans ($M) | $124 | $129 | $128 | $131 | $134 | $140 | $139 | $144 |
| ▁▁▄▄▅▆▇█ | Total Deposits ($M) | $152 | $156 | $167 | $171 | $172 | $179 | $184 | $190 |
Portfolio Composition — Q1'26
| Loan Mix | % |
|---|---|
| Real Estate | 69% |
| C&I / Commercial | 16% |
| Agricultural | 7% |
| Consumer | 6% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 40% |
| Interest-Bearing (core) | 48% |
| Brokered / Other | 13% |