Quarterly Snapshot
| Metric | Q1'26 | YoY Δ | Q1'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.49% | +0.19 | 1.30% |
| Return on Equity (%) | ▼ | 17.11% | -0.68 | 17.79% |
| Net Interest Margin (%) | ▲ | 3.73% | +0.30 | 3.43% |
| Efficiency Ratio (%) | ▲ | 59.32% | -3.83 | 63.15% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.12 | $0 |
| Cost of Funds (%) | ▲ | 1.36% | -0.05 | 1.40% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $146 | +8.18 | $138 |
| Gross Loans ($M) | ▲ | $86 | +1.48 | $85 |
| Loan Growth YoY (%) | ▼ | 64.35% | -1.81 | 66.16% |
| Total Deposits ($M) | ▲ | $133 | +5.86 | $127 |
| Shareholders Equity ($M) | ▲ | $13 | +2.45 | $10 |
| Tang. Book Value ($M) | ▲ | $13 | +2.45 | $10 |
| TBV excl. AOCI ($M)** | ▲ | $15 | +2.66 | $12 |
| Loan / Deposit Ratio (%) | ▼ | 64.35% | -1.81 | 66.16% |
| Credit Quality | ||||
| NPA / Total Assets (%) | — | 0.00% | 0.00 | 0.00% |
| Allowance / Loans (%) | — | 0.91% | -0.00% | 0.91% |
| Net Charge-Off Ratio (%) | — | 0.00% | 0.00 | 0.00% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q2'24 | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▂▂▃▃▄█ | Net Interest Margin (%) | 3.33% | 3.35% | 3.39% | 3.43% | 3.48% | 3.46% | 3.49% | 3.73% |
| ▁▁▁▆▅▆▆█ | Return on Assets (%) | 0.87% | 0.94% | 0.90% | 1.30% | 1.24% | 1.30% | 1.27% | 1.49% |
| █▇█▃▄▃▃▁ | Efficiency Ratio (%) | 72.8% | 71.0% | 71.2% | 63.1% | 65.0% | 62.8% | 63.6% | 59.3% |
| ▁▅▅▂▅██▁ | Cost of Funds (%) | 1.39% | 1.51% | 1.51% | 1.40% | 1.54% | 1.62% | 1.64% | 1.36% |
| ▁▁▁▁▁█▁▁ | NPA / Assets (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.07% | 0.00% | 0.00% |
| ▁▁▁▁▁█▁▁ | Net Charge-Off Ratio (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.13% | 0.00% | 0.00% |
| ▁▄▂▄▄▇██ | Tang. Book Value ($M) | $9 | $10 | $9 | $10 | $11 | $12 | $13 | $13 |
| ▁▂▆▅▅▆█▆ | Gross Loans ($M) | $81 | $82 | $86 | $85 | $85 | $86 | $88 | $86 |
| ▁▁▁▄▇█▇▆ | Total Deposits ($M) | $119 | $120 | $119 | $127 | $134 | $138 | $134 | $133 |
Portfolio Composition — Q1'26
| Loan Mix | % |
|---|---|
| Real Estate | 67% |
| C&I / Commercial | 19% |
| Agricultural | 9% |
| Consumer | 5% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 24% |
| Interest-Bearing (core) | 69% |
| Brokered / Other | 7% |