Quarterly Snapshot
| Metric | Q1'26 | YoY Δ | Q1'25 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▲ | 1.93% | +1.12 | 0.81% |
| Return on Equity (%) | ▲ | 22.27% | +13.45 | 8.82% |
| Net Interest Margin (%) | ▲ | 6.41% | +0.90 | 5.51% |
| Efficiency Ratio (%) | ▲ | 51.09% | -20.68 | 71.77% |
| Pre-Provision Profit ($M) | ▲ | $1 | +0.47 | $0 |
| Cost of Funds (%) | ▲ | 1.32% | -0.60 | 1.92% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $107 | +11.95 | $95 |
| Gross Loans ($M) | ▼ | $79 | -2.04 | $82 |
| Loan Growth YoY (%) | ▼ | 80.61% | -13.16 | 93.77% |
| Total Deposits ($M) | ▲ | $97 | +11.19 | $86 |
| Shareholders Equity ($M) | ▲ | $10 | +0.62 | $9 |
| Tang. Book Value ($M) | ▲ | $10 | +0.62 | $9 |
| Loan / Deposit Ratio (%) | ▼ | 80.61% | -13.16 | 93.77% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.86% | +0.66 | 0.21% |
| Allowance / Loans (%) | — | 1.82% | 0.29% | 1.53% |
| Net Charge-Off Ratio (%) | ▼ | 0.55% | +0.42 | 0.13% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | ▲ | 12.91% | +1.01 | 11.89% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q2'24 | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Q1'26 | |
|---|---|---|---|---|---|---|---|---|---|
| ▃▄▃▂▂▁▁█ | Net Interest Margin (%) | 5.74% | 5.78% | 5.74% | 5.51% | 5.60% | 5.44% | 5.34% | 6.41% |
| ▃▂▁▃▄▃▁█ | Return on Assets (%) | 0.90% | 0.67% | 0.57% | 0.81% | 1.07% | 0.86% | 0.44% | 1.93% |
| ▆▆▆████▁ | Efficiency Ratio (%) | 67.2% | 67.4% | 67.5% | 71.8% | 72.3% | 73.4% | 72.4% | 51.1% |
| ▇███▅▄▁▁ | Cost of Funds (%) | 1.78% | 1.93% | 1.85% | 1.92% | 1.69% | 1.58% | 1.37% | 1.32% |
| ▂▅▃▁▃██▂ | NPA / Assets (%) | 1.01% | 2.50% | 1.83% | 0.21% | 1.71% | 4.56% | 4.30% | 0.86% |
| ▂▄▃▁▃██▁ | Net Charge-Off Ratio (%) | 1.31% | 3.09% | 2.26% | 0.13% | 2.05% | 6.12% | 5.82% | 0.55% |
| ▁▁▂▃▆▇▄█ | Tang. Book Value ($M) | $9 | $9 | $9 | $9 | $10 | $10 | $9 | $10 |
| ▁▁▅▆▅▃█▄ | Gross Loans ($M) | $75 | $76 | $80 | $82 | $80 | $78 | $84 | $79 |
| ▂▁▄▁▃▅█▅ | Total Deposits ($M) | $89 | $85 | $95 | $86 | $92 | $97 | $107 | $97 |
Portfolio Composition — Q1'26
| Loan Mix | % |
|---|---|
| Real Estate | 55% |
| C&I / Commercial | 13% |
| Agricultural | 25% |
| Consumer | 7% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 44% |
| Interest-Bearing (core) | 45% |
| Brokered / Other | 12% |