Quarterly Snapshot
| Metric | Q1'26 | YoY Δ | Q1'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.36% | +0.03 | 1.33% |
| Return on Equity (%) | ▼ | 12.54% | -0.66 | 13.20% |
| Net Interest Margin (%) | ▲ | 4.64% | +0.23 | 4.41% |
| Efficiency Ratio (%) | ▲ | 69.23% | -1.36 | 70.60% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.07 | $1 |
| Cost of Funds (%) | ▲ | 0.87% | -0.53 | 1.40% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $171 | +13.15 | $158 |
| Gross Loans ($M) | ▼ | $98 | -3.57 | $102 |
| Loan Growth YoY (%) | ▼ | 63.47% | -10.28 | 73.75% |
| Total Deposits ($M) | ▲ | $151 | +16.15 | $135 |
| Shareholders Equity ($M) | ▲ | $19 | +2.08 | $17 |
| Tang. Book Value ($M) | ▲ | $19 | +2.08 | $17 |
| Loan / Deposit Ratio (%) | ▼ | 63.47% | -10.28 | 73.75% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 1.36% | -0.61 | 1.97% |
| Allowance / Loans (%) | — | 1.93% | 0.14% | 1.79% |
| Net Charge-Off Ratio (%) | ▲ | 2.38% | -0.69 | 3.06% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q2'24 | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | |
|---|---|---|---|---|---|---|---|---|---|
| █▆▇▁▅▄▇▅ | Net Interest Margin (%) | 4.84% | 4.69% | 4.75% | 4.41% | 4.64% | 4.60% | 4.75% | 4.64% |
| ▅▄▅▁▅▅█▁ | Return on Assets (%) | 1.48% | 1.44% | 1.47% | 1.33% | 1.50% | 1.47% | 1.61% | 1.36% |
| █▇▇█▃▄▁▆ | Efficiency Ratio (%) | 70.3% | 70.1% | 69.8% | 70.6% | 68.0% | 68.1% | 66.4% | 69.2% |
| ██▇█▄▄▁▁ | Cost of Funds (%) | 1.38% | 1.36% | 1.32% | 1.40% | 1.08% | 1.08% | 0.86% | 0.87% |
| ▁▁▁█▇█▇▅ | NPA / Assets (%) | 0.00% | 0.02% | 0.03% | 1.97% | 1.91% | 2.20% | 1.76% | 1.36% |
| ▁▁▁▇▇█▇▆ | Net Charge-Off Ratio (%) | 0.00% | 0.03% | 0.04% | 3.06% | 2.89% | 3.71% | 3.07% | 2.38% |
| ▁▂▂▃▅▆▇█ | Tang. Book Value ($M) | $15 | $16 | $16 | $17 | $17 | $18 | $18 | $19 |
| █▅▅▄█▄▁▁ | Gross Loans ($M) | $108 | $103 | $103 | $102 | $107 | $101 | $97 | $98 |
| ▁▆▄▃▄███ | Total Deposits ($M) | $129 | $145 | $139 | $135 | $138 | $152 | $150 | $151 |
Portfolio Composition — Q1'26
| Loan Mix | % |
|---|---|
| Real Estate | 74% |
| C&I / Commercial | 15% |
| Agricultural | 8% |
| Consumer | 1% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 34% |
| Interest-Bearing (core) | 57% |
| Brokered / Other | 9% |