Quarterly Snapshot
| Metric | Q1'26 | YoY Δ | Q1'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.32% | +0.05 | 0.27% |
| Return on Equity (%) | ▲ | 0.94% | +0.17 | 0.77% |
| Net Interest Margin (%) | ▲ | 2.29% | +0.01 | 2.28% |
| Efficiency Ratio (%) | ▲ | 84.41% | -3.84 | 88.25% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.02 | $0 |
| Cost of Funds (%) | ▼ | 2.02% | +0.11 | 1.92% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $102 | +5.11 | $97 |
| Gross Loans ($M) | ▲ | $65 | +2.59 | $62 |
| Loan Growth YoY (%) | ▼ | 95.86% | -3.49 | 99.35% |
| Total Deposits ($M) | ▲ | $67 | +4.95 | $62 |
| Shareholders Equity ($M) | ▲ | $34 | +0.29 | $33 |
| Tang. Book Value ($M) | ▲ | $34 | +0.29 | $33 |
| Loan / Deposit Ratio (%) | ▼ | 95.86% | -3.49 | 99.35% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.43% | +0.17 | 0.26% |
| Allowance / Loans (%) | — | 1.08% | -0.05% | 1.13% |
| Net Charge-Off Ratio (%) | ▼ | 0.68% | +0.28 | 0.40% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q2'24 | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▄▁▂▆▇██▇ | Net Interest Margin (%) | 2.23% | 2.17% | 2.20% | 2.28% | 2.30% | 2.32% | 2.31% | 2.29% |
| ▂▁▂▆▅▇▇█ | Return on Assets (%) | 0.17% | 0.13% | 0.17% | 0.27% | 0.25% | 0.28% | 0.28% | 0.32% |
| ▇█▇▃▃▂▂▁ | Efficiency Ratio (%) | 95.2% | 96.9% | 94.7% | 88.2% | 88.7% | 87.1% | 86.6% | 84.4% |
| ▁██▂▃▅▆▆ | Cost of Funds (%) | 1.87% | 2.12% | 2.12% | 1.92% | 1.96% | 1.99% | 2.04% | 2.02% |
| ▃▃▁▁▁▅█▄ | NPA / Assets (%) | 0.41% | 0.39% | 0.26% | 0.26% | 0.27% | 0.50% | 0.70% | 0.43% |
| ▄▃▁▁▁▅█▄ | Net Charge-Off Ratio (%) | 0.67% | 0.64% | 0.41% | 0.40% | 0.41% | 0.75% | 1.06% | 0.68% |
| ▁▁▂▃▄▆▇█ | Tang. Book Value ($M) | $33 | $33 | $33 | $33 | $33 | $33 | $34 | $34 |
| ▁▂▃▄▇███ | Gross Loans ($M) | $60 | $60 | $61 | $62 | $64 | $65 | $65 | $65 |
| ▂▄▁▂▂▃▄█ | Total Deposits ($M) | $62 | $63 | $61 | $62 | $62 | $63 | $63 | $67 |
Portfolio Composition — Q1'26
| Loan Mix | % |
|---|---|
| Real Estate | 100% |
| Deposit Mix | % |
|---|---|
| Interest-Bearing (core) | 77% |
| Brokered / Other | 23% |