Quarterly Snapshot
| Metric | Q1'26 | YoY Δ | Q1'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 2.71% | +0.74 | 1.97% |
| Return on Equity (%) | ▲ | 24.29% | +6.43 | 17.86% |
| Net Interest Margin (%) | ▼ | 5.23% | -0.03 | 5.26% |
| Efficiency Ratio (%) | ▲ | 48.45% | -9.87 | 58.32% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.48 | $1 |
| Cost of Funds (%) | ▲ | 1.84% | -0.09 | 1.93% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $196 | +23.10 | $173 |
| Gross Loans ($M) | ▲ | $178 | +23.03 | $155 |
| Loan Growth YoY (%) | ▲ | 108.54% | +3.56 | 104.98% |
| Total Deposits ($M) | ▲ | $161 | +16.31 | $145 |
| Shareholders Equity ($M) | ▲ | $22 | +2.84 | $19 |
| Tang. Book Value ($M) | ▲ | $22 | +2.84 | $19 |
| Loan / Deposit Ratio (%) | ▲ | 108.54% | +3.56 | 104.98% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▲ | 0.59% | -0.64 | 1.23% |
| Allowance / Loans (%) | — | 1.32% | -0.09% | 1.41% |
| Net Charge-Off Ratio (%) | — | 0.06% | 0.00 | 0.06% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 12.80% | +0.23 | 12.58% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q2'24 | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▃▄▇███▇ | Net Interest Margin (%) | 4.53% | 4.77% | 4.92% | 5.26% | 5.31% | 5.39% | 5.38% | 5.23% |
| ▁▂▄▄▆▇▇█ | Return on Assets (%) | 1.48% | 1.78% | 2.01% | 1.97% | 2.40% | 2.52% | 2.52% | 2.71% |
| █▆▅▆▃▂▂▁ | Efficiency Ratio (%) | 61.9% | 57.8% | 55.9% | 58.3% | 53.1% | 50.4% | 50.9% | 48.4% |
| ▇▇█▄▁▅▅▁ | Cost of Funds (%) | 2.03% | 2.04% | 2.10% | 1.93% | 1.83% | 1.96% | 1.99% | 1.84% |
| █▆▆▅▄▄▂▁ | NPA / Assets (%) | 1.71% | 1.41% | 1.37% | 1.23% | 1.05% | 1.04% | 0.81% | 0.59% |
| ▄▁▁▁▁█▁▁ | Net Charge-Off Ratio (%) | 0.14% | 0.07% | 0.06% | 0.06% | 0.05% | 0.29% | 0.04% | 0.06% |
| ▁▁▃▄▅▆▇█ | Tang. Book Value ($M) | $17 | $18 | $19 | $19 | $20 | $21 | $21 | $22 |
| ▁▃▂▃▅███ | Gross Loans ($M) | $146 | $154 | $152 | $155 | $164 | $176 | $176 | $178 |
| ▁▂▁▁▅▇▇█ | Total Deposits ($M) | $147 | $147 | $145 | $145 | $153 | $158 | $158 | $161 |
Portfolio Composition — Q1'26
| Loan Mix | % |
|---|---|
| Real Estate | 85% |
| C&I / Commercial | 10% |
| Agricultural | 1% |
| Consumer | 1% |
| Other | 3% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 25% |
| Interest-Bearing (core) | 68% |
| Brokered / Other | 7% |