Quarterly Snapshot
| Metric | Q1'26 | YoY Δ | Q1'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | 1.87% | -0.26 | 2.13% |
| Return on Equity (%) | ▼ | 14.47% | -1.47 | 15.94% |
| Net Interest Margin (%) | ▼ | 4.06% | -0.17 | 4.23% |
| Efficiency Ratio (%) | ▼ | 51.81% | +3.78 | 48.03% |
| Pre-Provision Profit ($M) | ▼ | $1 | -0.05 | $1 |
| Cost of Funds (%) | ▲ | 2.20% | -0.04 | 2.24% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $203 | +18.57 | $184 |
| Gross Loans ($M) | ▲ | $176 | +17.63 | $158 |
| Loan Growth YoY (%) | ▼ | 101.35% | -3.76 | 105.11% |
| Total Deposits ($M) | ▲ | $172 | +22.79 | $149 |
| Shareholders Equity ($M) | ▲ | $26 | +1.08 | $25 |
| Tang. Book Value ($M) | ▲ | $26 | +1.08 | $25 |
| Loan / Deposit Ratio (%) | ▼ | 101.35% | -3.76 | 105.11% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.59% | +0.16 | 0.43% |
| Allowance / Loans (%) | — | 0.74% | 0.01% | 0.73% |
| Net Charge-Off Ratio (%) | ▼ | 0.53% | +0.30 | 0.23% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q2'24 | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ███▄▆▅▇▁ | Net Interest Margin (%) | 4.38% | 4.41% | 4.41% | 4.23% | 4.29% | 4.26% | 4.35% | 4.06% |
| ▇█▅▅█▇▅▁ | Return on Assets (%) | 2.25% | 2.27% | 2.14% | 2.13% | 2.31% | 2.22% | 2.13% | 1.87% |
| ▃▃▅▄▁▂▄█ | Efficiency Ratio (%) | 46.6% | 46.7% | 48.2% | 48.0% | 44.5% | 46.3% | 47.6% | 51.8% |
| ▁▃▇▆█▆█▅ | Cost of Funds (%) | 2.10% | 2.16% | 2.25% | 2.24% | 2.29% | 2.24% | 2.29% | 2.20% |
| ▃▂▂▁█▇▂▂ | NPA / Assets (%) | 0.64% | 0.57% | 0.61% | 0.43% | 1.26% | 1.14% | 0.58% | 0.59% |
| ▂▂▁▁██▃▃ | Net Charge-Off Ratio (%) | 0.40% | 0.36% | 0.33% | 0.23% | 1.17% | 1.10% | 0.49% | 0.53% |
| ▂▅▁▃▆█▄▆ | Tang. Book Value ($M) | $25 | $26 | $24 | $25 | $26 | $27 | $25 | $26 |
| ▁▁▂▃▄▇██ | Gross Loans ($M) | $151 | $154 | $156 | $158 | $163 | $173 | $178 | $176 |
| ▁▂▃▃▄▅▇█ | Total Deposits ($M) | $138 | $146 | $150 | $149 | $151 | $159 | $165 | $172 |
Portfolio Composition — Q1'26
| Loan Mix | % |
|---|---|
| Real Estate | 80% |
| C&I / Commercial | 11% |
| Agricultural | 4% |
| Consumer | 3% |
| Other | 2% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 15% |
| Interest-Bearing (core) | 70% |
| Brokered / Other | 15% |