Quarterly Snapshot
| Metric | Q1'26 | YoY Δ | Q1'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.73% | +0.17 | 0.57% |
| Return on Equity (%) | ▲ | 6.59% | +1.61 | 4.98% |
| Net Interest Margin (%) | ▲ | 3.33% | +0.30 | 3.03% |
| Efficiency Ratio (%) | ▲ | 73.13% | -4.44 | 77.57% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.25 | $1 |
| Cost of Funds (%) | ▲ | 1.86% | -0.06 | 1.92% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $361 | +9.11 | $352 |
| Gross Loans ($M) | ▲ | $312 | +12.88 | $299 |
| Loan Growth YoY (%) | ▲ | 103.24% | +0.73 | 102.51% |
| Total Deposits ($M) | ▲ | $298 | +10.44 | $288 |
| Shareholders Equity ($M) | ▲ | $40 | +0.96 | $39 |
| Tang. Book Value ($M) | ▲ | $39 | +0.92 | $38 |
| Loan / Deposit Ratio (%) | ▲ | 103.24% | +0.73 | 102.51% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.29% | -0.89 | 1.18% |
| Allowance / Loans (%) | — | 1.30% | -0.06% | 1.36% |
| Net Charge-Off Ratio (%) | ▲ | 0.34% | -1.05 | 1.39% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 15.22% | -1.03 | 16.26% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q2'24 | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▄▆▆▇█ | Net Interest Margin (%) | 2.73% | 2.73% | 2.82% | 3.03% | 3.15% | 3.16% | 3.19% | 3.33% |
| ▁▁▃▆▇▇▇█ | Return on Assets (%) | 0.16% | 0.20% | 0.32% | 0.57% | 0.64% | 0.63% | 0.60% | 0.73% |
| ██▆▄▂▂▂▁ | Efficiency Ratio (%) | 82.9% | 83.8% | 80.9% | 77.6% | 75.0% | 74.9% | 74.8% | 73.1% |
| ▅██▃▁▅▆▁ | Cost of Funds (%) | 1.98% | 2.10% | 2.08% | 1.92% | 1.88% | 2.01% | 2.02% | 1.86% |
| ███▇▇▆▂▁ | NPA / Assets (%) | 1.41% | 1.33% | 1.37% | 1.18% | 1.13% | 1.02% | 0.48% | 0.29% |
| ███▇▆▆▂▁ | Net Charge-Off Ratio (%) | 1.62% | 1.52% | 1.58% | 1.39% | 1.28% | 1.19% | 0.56% | 0.34% |
| ▃██▁▁▃▅▅ | Tang. Book Value ($M) | $38 | $39 | $39 | $38 | $38 | $38 | $38 | $39 |
| ▅▆▅▁▅▃▇█ | Gross Loans ($M) | $307 | $309 | $306 | $299 | $306 | $303 | $310 | $312 |
| ▁▁▃▄▁▆██ | Total Deposits ($M) | $279 | $279 | $285 | $288 | $281 | $295 | $301 | $298 |
Portfolio Composition — Q1'26
| Loan Mix | % |
|---|---|
| Real Estate | 89% |
| C&I / Commercial | 9% |
| Agricultural | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 9% |
| Interest-Bearing (core) | 71% |
| Brokered / Other | 20% |