Quarterly Snapshot
| Metric | Q1'26 | YoY Δ | Q1'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 0.87% | -1.16 | 2.03% |
| Return on Equity (%) | ▼ | 5.85% | -7.82 | 13.67% |
| Net Interest Margin (%) | ▲ | 4.55% | +0.09 | 4.46% |
| Efficiency Ratio (%) | ▲ | 72.97% | -4.01 | 76.99% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.14 | $0 |
| Cost of Funds (%) | ▲ | 1.73% | -0.06 | 1.79% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $206 | +13.90 | $192 |
| Gross Loans ($M) | ▲ | $173 | +13.08 | $160 |
| Loan Growth YoY (%) | ▲ | 108.51% | +2.43 | 106.07% |
| Total Deposits ($M) | ▲ | $158 | +8.81 | $149 |
| Shareholders Equity ($M) | ▲ | $31 | +2.05 | $29 |
| Tang. Book Value ($M) | ▲ | $31 | +2.05 | $29 |
| Loan / Deposit Ratio (%) | ▲ | 108.51% | +2.43 | 106.07% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.61% | -0.52 | 2.12% |
| Allowance / Loans (%) | — | 1.21% | -0.17% | 1.38% |
| Net Charge-Off Ratio (%) | ▲ | 1.91% | -0.63 | 2.54% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 20.92% | -0.37 | 21.29% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q2'24 | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▂▅▇██▇ | Net Interest Margin (%) | 4.21% | 4.28% | 4.30% | 4.46% | 4.59% | 4.66% | 4.65% | 4.55% |
| ▁▁▁█▅▅▄▁ | Return on Assets (%) | 0.87% | 0.81% | 0.82% | 2.03% | 1.55% | 1.46% | 1.31% | 0.87% |
| ▄▆██▄▁▃▄ | Efficiency Ratio (%) | 73.5% | 74.9% | 77.7% | 77.0% | 72.9% | 69.9% | 72.6% | 73.0% |
| ██▆▃▁▁▂▁ | Cost of Funds (%) | 1.98% | 1.96% | 1.90% | 1.79% | 1.70% | 1.71% | 1.76% | 1.73% |
| ▁▁▁█▆▇▇▆ | NPA / Assets (%) | 0.13% | 0.12% | 0.17% | 2.12% | 1.61% | 1.72% | 1.67% | 1.61% |
| ▁▁▁█▇▇▇▆ | Net Charge-Off Ratio (%) | 0.10% | 0.09% | 0.21% | 2.54% | 1.93% | 2.05% | 2.00% | 1.91% |
| ▁▁▂▄▅▇██ | Tang. Book Value ($M) | $27 | $27 | $28 | $29 | $29 | $30 | $30 | $31 |
| ▁▃▃▄▄▇██ | Gross Loans ($M) | $150 | $156 | $159 | $160 | $160 | $170 | $171 | $173 |
| ▁▃▄▄▄▅██ | Total Deposits ($M) | $143 | $147 | $150 | $149 | $150 | $152 | $157 | $158 |
Portfolio Composition — Q1'26
| Loan Mix | % |
|---|---|
| Real Estate | 95% |
| C&I / Commercial | 4% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 14% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 16% |