Quarterly Snapshot
| Metric | Q1'26 | YoY Δ | Q1'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.60% | -0.09 | 2.69% |
| Return on Equity (%) | ▼ | 26.07% | -1.64 | 27.71% |
| Net Interest Margin (%) | ▲ | 4.88% | +0.12 | 4.76% |
| Efficiency Ratio (%) | ▲ | 40.10% | -1.40 | 41.50% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.16 | $1 |
| Cost of Funds (%) | ▼ | 2.23% | +0.16 | 2.07% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $173 | +6.02 | $167 |
| Gross Loans ($M) | ▲ | $139 | +13.74 | $125 |
| Loan Growth YoY (%) | ▲ | 97.39% | +2.13 | 95.27% |
| Total Deposits ($M) | ▲ | $141 | +11.20 | $130 |
| Shareholders Equity ($M) | ▲ | $18 | +1.70 | $16 |
| Tang. Book Value ($M) | ▲ | $18 | +1.70 | $16 |
| TBV excl. AOCI ($M)** | ▲ | $19 | +1.59 | $17 |
| Loan / Deposit Ratio (%) | ▲ | 97.39% | +2.13 | 95.27% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.90% | +0.25 | 0.65% |
| Allowance / Loans (%) | — | 1.31% | -0.09% | 1.40% |
| Net Charge-Off Ratio (%) | ▼ | 1.13% | +0.26 | 0.87% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 12.00% | -0.83 | 12.83% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q2'24 | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▂▄▅███▇ | Net Interest Margin (%) | 4.49% | 4.58% | 4.72% | 4.76% | 4.94% | 4.99% | 4.95% | 4.88% |
| ▁▃▅▇██▆▆ | Return on Assets (%) | 2.11% | 2.33% | 2.51% | 2.69% | 2.77% | 2.85% | 2.66% | 2.60% |
| █▇▃▆▂▁▁▂ | Efficiency Ratio (%) | 42.8% | 42.2% | 40.5% | 41.5% | 39.8% | 39.3% | 39.6% | 40.1% |
| ▅█▁▃▁▄▁▇ | Cost of Funds (%) | 2.15% | 2.27% | 1.97% | 2.07% | 1.97% | 2.09% | 1.97% | 2.23% |
| ▂▁▃▄▄▃▁█ | NPA / Assets (%) | 0.56% | 0.49% | 0.58% | 0.65% | 0.66% | 0.58% | 0.45% | 0.90% |
| ▃▂▃▅▄▃▁█ | Net Charge-Off Ratio (%) | 0.74% | 0.66% | 0.76% | 0.87% | 0.83% | 0.75% | 0.57% | 1.13% |
| ▁▄▃▅▆█▇█ | Tang. Book Value ($M) | $15 | $16 | $15 | $16 | $17 | $18 | $17 | $18 |
| ▁▁▃▃▃▄█▇ | Gross Loans ($M) | $115 | $117 | $123 | $125 | $126 | $127 | $144 | $139 |
| ▁▃▅▂▁▁█▅ | Total Deposits ($M) | $122 | $130 | $139 | $130 | $125 | $124 | $153 | $141 |
Portfolio Composition — Q1'26
| Loan Mix | % |
|---|---|
| Real Estate | 23% |
| C&I / Commercial | 11% |
| Agricultural | 61% |
| Consumer | 4% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 23% |
| Interest-Bearing (core) | 57% |
| Brokered / Other | 20% |