Quarterly Snapshot
| Metric | Q1'26 | YoY Δ | Q1'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 0.96% | +0.01 | 0.95% |
| Return on Equity (%) | ▼ | 3.76% | -0.02 | 3.78% |
| Net Interest Margin (%) | ▼ | 3.53% | -0.04 | 3.57% |
| Efficiency Ratio (%) | ▲ | 64.11% | -0.49 | 64.61% |
| Pre-Provision Profit ($M) | ▲ | $0 | +0.01 | $0 |
| Cost of Funds (%) | ▲ | 1.85% | -0.02 | 1.87% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $118 | +2.21 | $116 |
| Gross Loans ($M) | ▼ | $83 | -1.22 | $84 |
| Loan Growth YoY (%) | ▼ | 92.95% | -2.16 | 95.11% |
| Total Deposits ($M) | ▲ | $88 | +0.73 | $87 |
| Shareholders Equity ($M) | ▲ | $30 | +1.33 | $29 |
| Tang. Book Value ($M) | ▲ | $30 | +1.33 | $29 |
| Loan / Deposit Ratio (%) | ▼ | 92.95% | -2.16 | 95.11% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 2.36% | -0.00 | 2.37% |
| Allowance / Loans (%) | — | 1.80% | 0.01% | 1.79% |
| Net Charge-Off Ratio (%) | ▼ | 3.14% | +0.28 | 2.85% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q2'24 | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ███▂▁▁▂▁ | Net Interest Margin (%) | 3.80% | 3.81% | 3.81% | 3.57% | 3.54% | 3.55% | 3.59% | 3.53% |
| ▇█▇▁▃▃▄▁ | Return on Assets (%) | 1.14% | 1.19% | 1.15% | 0.95% | 1.02% | 1.03% | 1.04% | 0.96% |
| ▃▁▃█▄▅▅█ | Efficiency Ratio (%) | 60.4% | 58.9% | 60.4% | 64.6% | 61.7% | 62.1% | 62.4% | 64.1% |
| ▁▃█▆██▇▅ | Cost of Funds (%) | 1.75% | 1.80% | 1.93% | 1.87% | 1.92% | 1.92% | 1.90% | 1.85% |
| ▁▁▂▅██▅▅ | NPA / Assets (%) | 1.34% | 1.28% | 1.55% | 2.37% | 3.26% | 3.24% | 2.50% | 2.36% |
| ▁▁▁▄██▆▅ | Net Charge-Off Ratio (%) | 1.31% | 1.29% | 1.60% | 2.85% | 4.08% | 4.46% | 3.32% | 3.14% |
| ▁▂▃▄▅▇██ | Tang. Book Value ($M) | $28 | $28 | $28 | $29 | $29 | $30 | $30 | $30 |
| █▆█▅▄▅▁▂ | Gross Loans ($M) | $86 | $85 | $86 | $84 | $84 | $85 | $82 | $83 |
| ▁▄▂█▆▇▇█ | Total Deposits ($M) | $82 | $84 | $83 | $87 | $86 | $86 | $86 | $88 |
Portfolio Composition — Q1'26
| Loan Mix | % |
|---|---|
| Real Estate | 90% |
| C&I / Commercial | 6% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 10% |
| Interest-Bearing (core) | 80% |
| Brokered / Other | 10% |