Quarterly Snapshot
| Metric | Q1'26 | YoY Δ | Q1'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.28% | +0.57 | 0.71% |
| Return on Equity (%) | ▲ | 10.38% | +5.14 | 5.24% |
| Net Interest Margin (%) | ▲ | 4.37% | +0.38 | 3.99% |
| Efficiency Ratio (%) | ▲ | 59.99% | -14.31 | 74.30% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.43 | $0 |
| Cost of Funds (%) | ▲ | 2.47% | -0.31 | 2.78% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $200 | +32.65 | $168 |
| Gross Loans ($M) | ▲ | $170 | +23.90 | $147 |
| Loan Growth YoY (%) | ▼ | 96.36% | -4.26 | 100.61% |
| Total Deposits ($M) | ▲ | $175 | +30.94 | $144 |
| Shareholders Equity ($M) | ▲ | $24 | +1.73 | $23 |
| Tang. Book Value ($M) | ▲ | $24 | +1.76 | $23 |
| Loan / Deposit Ratio (%) | ▼ | 96.36% | -4.26 | 100.61% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 1.15% | -0.03% | 1.18% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 0.00% | -16.99 | 16.99% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q2'24 | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▅▇███ | Net Interest Margin (%) | 3.47% | 3.56% | 3.63% | 3.99% | 4.18% | 4.30% | 4.33% | 4.37% |
| ▁▁▂▂▄▆▆█ | Return on Assets (%) | 0.58% | 0.56% | 0.66% | 0.71% | 0.87% | 1.03% | 1.09% | 1.28% |
| ██▇▆▄▃▃▁ | Efficiency Ratio (%) | 79.1% | 76.9% | 74.7% | 74.3% | 69.4% | 66.2% | 64.8% | 60.0% |
| ██▆▃▂▄▂▁ | Cost of Funds (%) | 3.32% | 3.32% | 3.09% | 2.78% | 2.66% | 2.86% | 2.68% | 2.47% |
| █▆▆▁▂▁▁▁ | NPA / Assets (%) | 0.33% | 0.25% | 0.24% | 0.00% | 0.08% | 0.00% | 0.00% | 0.00% |
| █▁▁▁▂▁▁▁ | Net Charge-Off Ratio (%) | 0.37% | 0.00% | 0.00% | 0.00% | 0.09% | 0.00% | 0.00% | 0.00% |
| ▁▁▂▃▃▄▆█ | Tang. Book Value ($M) | $22 | $22 | $22 | $23 | $22 | $23 | $24 | $24 |
| ▁▁▂▂▄▆▇█ | Gross Loans ($M) | $142 | $142 | $146 | $147 | $153 | $160 | $166 | $170 |
| ▁▂▂▂▃▅▇█ | Total Deposits ($M) | $139 | $143 | $144 | $144 | $150 | $157 | $167 | $175 |
Portfolio Composition — Q1'26
| Loan Mix | % |
|---|---|
| Real Estate | 94% |
| C&I / Commercial | 6% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 8% |
| Interest-Bearing (core) | 64% |
| Brokered / Other | 28% |