Quarterly Snapshot
| Metric | Q1'26 | YoY Δ | Q1'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.53% | +0.03 | 1.49% |
| Return on Equity (%) | ▼ | 11.91% | -0.87 | 12.78% |
| Net Interest Margin (%) | ▲ | 4.26% | +0.39 | 3.87% |
| Efficiency Ratio (%) | ▼ | 53.22% | +2.70 | 50.52% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.02 | $1 |
| Cost of Funds (%) | ▲ | 1.07% | -0.14 | 1.21% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $161 | +1.04 | $160 |
| Gross Loans ($M) | ▼ | $106 | -0.03 | $106 |
| Loan Growth YoY (%) | ▲ | 75.71% | +0.40 | 75.31% |
| Total Deposits ($M) | ▼ | $138 | -0.80 | $139 |
| Shareholders Equity ($M) | ▲ | $21 | +1.71 | $19 |
| Tang. Book Value ($M) | ▲ | $21 | +1.71 | $19 |
| TBV excl. AOCI ($M)** | ▲ | $22 | +1.74 | $21 |
| Loan / Deposit Ratio (%) | ▲ | 75.71% | +0.40 | 75.31% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 1.07% | +0.89 | 0.18% |
| Allowance / Loans (%) | — | 0.91% | 0.01% | 0.89% |
| Net Charge-Off Ratio (%) | ▼ | 1.48% | +1.31 | 0.17% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 21.56% | +0.24 | 21.32% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q2'24 | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▅▆▆█ | Net Interest Margin (%) | 3.65% | 3.66% | 3.69% | 3.87% | 3.97% | 4.06% | 4.10% | 4.26% |
| ▁▁▁▇████ | Return on Assets (%) | 1.25% | 1.27% | 1.27% | 1.49% | 1.50% | 1.53% | 1.50% | 1.53% |
| ███▁▁▁▃▅ | Efficiency Ratio (%) | 55.1% | 54.9% | 55.5% | 50.5% | 50.5% | 50.6% | 52.0% | 53.2% |
| ▅█▇█▄▄▅▁ | Cost of Funds (%) | 1.17% | 1.23% | 1.20% | 1.21% | 1.14% | 1.13% | 1.16% | 1.07% |
| ▂▁▁▁▂▁██ | NPA / Assets (%) | 0.29% | 0.15% | 0.16% | 0.18% | 0.33% | 0.24% | 1.09% | 1.07% |
| ▁▁▁▁▂▁██ | Net Charge-Off Ratio (%) | 0.33% | 0.22% | 0.24% | 0.17% | 0.40% | 0.27% | 1.56% | 1.48% |
| ▁▃▂▄▆█▇█ | Tang. Book Value ($M) | $18 | $19 | $18 | $19 | $20 | $20 | $20 | $21 |
| ▁▂▁█████ | Gross Loans ($M) | $100 | $101 | $100 | $106 | $105 | $105 | $105 | $106 |
| ▁▅▅█▇▅▇▇ | Total Deposits ($M) | $133 | $136 | $136 | $139 | $138 | $136 | $138 | $138 |
Portfolio Composition — Q1'26
| Loan Mix | % |
|---|---|
| Real Estate | 77% |
| C&I / Commercial | 15% |
| Agricultural | 3% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 19% |
| Interest-Bearing (core) | 77% |
| Brokered / Other | 4% |