Quarterly Snapshot
| Metric | Q1'26 | YoY Δ | Q1'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 2.20% | -0.17 | 2.37% |
| Return on Equity (%) | ▼ | 24.39% | -3.56 | 27.95% |
| Net Interest Margin (%) | ▲ | 5.11% | +0.23 | 4.88% |
| Efficiency Ratio (%) | ▼ | 56.39% | +5.65 | 50.74% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.02 | $1 |
| Cost of Funds (%) | ▲ | 1.24% | -0.12 | 1.36% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $156 | +5.41 | $151 |
| Gross Loans ($M) | ▲ | $118 | +14.96 | $103 |
| Loan Growth YoY (%) | ▲ | 86.98% | +5.86 | 81.12% |
| Total Deposits ($M) | ▲ | $135 | +8.69 | $126 |
| Shareholders Equity ($M) | ▲ | $14 | +1.07 | $13 |
| Tang. Book Value ($M) | ▲ | $14 | +1.07 | $13 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +0.53 | $15 |
| Loan / Deposit Ratio (%) | ▲ | 86.98% | +5.86 | 81.12% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.82% | -0.11% | 0.92% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▼ | 10.86% | -1.08 | 11.93% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q2'24 | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▆▇▇▇█ | Net Interest Margin (%) | 4.33% | 4.39% | 4.46% | 4.88% | 5.00% | 5.01% | 5.01% | 5.11% |
| ▁▁▁▆▇██▃ | Return on Assets (%) | 2.05% | 2.10% | 2.05% | 2.37% | 2.46% | 2.52% | 2.48% | 2.20% |
| ▄▃▆▃▂▁▂█ | Efficiency Ratio (%) | 51.8% | 51.3% | 53.9% | 50.7% | 49.9% | 48.7% | 49.7% | 56.4% |
| ▅█▇▂▃▅▇▁ | Cost of Funds (%) | 1.51% | 1.72% | 1.63% | 1.36% | 1.40% | 1.49% | 1.65% | 1.24% |
| ▄▄▄▄▄▄▄▄ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▄▄▄▄▄▄▄▄ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ▁▄▃▅▇███ | Tang. Book Value ($M) | $12 | $13 | $12 | $13 | $13 | $14 | $14 | $14 |
| ▁▂▂▃▄▆██ | Gross Loans ($M) | $98 | $101 | $101 | $103 | $106 | $113 | $116 | $118 |
| ▂▁▂▅▄▁▅█ | Total Deposits ($M) | $118 | $115 | $117 | $126 | $123 | $117 | $125 | $135 |
Portfolio Composition — Q1'26
| Loan Mix | % |
|---|---|
| Real Estate | 24% |
| C&I / Commercial | 4% |
| Agricultural | 70% |
| Consumer | 1% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 35% |
| Interest-Bearing (core) | 59% |
| Brokered / Other | 6% |