Quarterly Snapshot
| Metric | Q1'26 | YoY Δ | Q1'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.63% | +0.00 | 1.62% |
| Return on Equity (%) | ▼ | 22.25% | -1.62 | 23.87% |
| Net Interest Margin (%) | ▲ | 4.13% | +0.03 | 4.11% |
| Efficiency Ratio (%) | ▼ | 61.12% | +0.41 | 60.72% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.06 | $1 |
| Cost of Funds (%) | ▲ | 1.84% | -0.10 | 1.94% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $155 | +15.11 | $140 |
| Gross Loans ($M) | ▲ | $118 | +9.13 | $108 |
| Loan Growth YoY (%) | ▼ | 83.11% | -4.91 | 88.02% |
| Total Deposits ($M) | ▲ | $140 | +18.05 | $122 |
| Shareholders Equity ($M) | ▲ | $11 | +1.60 | $10 |
| Tang. Book Value ($M) | ▲ | $11 | +1.60 | $10 |
| Loan / Deposit Ratio (%) | ▼ | 83.11% | -4.91 | 88.02% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.23% | +0.12 | 0.12% |
| Allowance / Loans (%) | — | 0.77% | 0.07% | 0.71% |
| Net Charge-Off Ratio (%) | ▼ | 0.31% | +0.16 | 0.15% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 11.56% | -0.25 | 11.81% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q2'24 | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▅▆▅▁▆██▂ | Net Interest Margin (%) | 4.19% | 4.21% | 4.20% | 4.11% | 4.22% | 4.26% | 4.26% | 4.13% |
| ▃▇▇▃██▁▃ | Return on Assets (%) | 1.63% | 1.72% | 1.72% | 1.62% | 1.77% | 1.76% | 1.56% | 1.63% |
| ▁▁▁█▃▂▅█ | Efficiency Ratio (%) | 58.0% | 57.5% | 58.0% | 60.7% | 58.6% | 58.4% | 59.6% | 61.1% |
| ▁▇█▅▄▂▂▂ | Cost of Funds (%) | 1.81% | 2.01% | 2.05% | 1.94% | 1.91% | 1.86% | 1.86% | 1.84% |
| ▁▆▁▁▂█▇▅ | NPA / Assets (%) | 0.09% | 0.26% | 0.08% | 0.12% | 0.12% | 0.36% | 0.30% | 0.23% |
| ▁▆▁▂▂█▇▅ | Net Charge-Off Ratio (%) | 0.11% | 0.34% | 0.08% | 0.15% | 0.15% | 0.46% | 0.40% | 0.31% |
| ▁▃▃▄▅▆██ | Tang. Book Value ($M) | $8 | $9 | $9 | $10 | $10 | $11 | $11 | $11 |
| ▁▁▁▂▁▄▇█ | Gross Loans ($M) | $106 | $107 | $107 | $108 | $107 | $111 | $116 | $118 |
| ▁▁▁▂▃▃▇█ | Total Deposits ($M) | $120 | $121 | $121 | $122 | $125 | $127 | $138 | $140 |
Portfolio Composition — Q1'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 7% |
| Agricultural | 2% |
| Consumer | 4% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 30% |
| Interest-Bearing (core) | 51% |
| Brokered / Other | 19% |