Quarterly Snapshot
| Metric | Q4'25 | YoY Δ | Q4'24 | |
|---|---|---|---|---|
| Profitability | ||||
| Return on Assets (%) | ▼ | -2.09% | -2.76 | 0.67% |
| Return on Equity (%) | ▼ | -27.30% | -36.92 | 9.62% |
| Net Interest Margin (%) | ▲ | 3.85% | +0.37 | 3.48% |
| Efficiency Ratio (%) | ▼ | 152.71% | +77.10 | 75.61% |
| Pre-Provision Profit ($M) | ▼ | $-4 | -4.20 | $0 |
| Cost of Funds (%) | ▲ | 0.75% | -0.04 | 0.79% |
| Balance Sheet | ||||
| Total Assets ($M) | ▲ | $143 | +0.05 | $142 |
| Gross Loans ($M) | ▼ | $59 | -0.38 | $60 |
| Loan Growth YoY (%) | ▼ | 44.28% | -1.31 | 45.59% |
| Total Deposits ($M) | ▲ | $131 | +3.11 | $128 |
| Shareholders Equity ($M) | ▼ | $9 | -2.39 | $11 |
| Tang. Book Value ($M) | ▼ | $9 | -2.36 | $11 |
| TBV excl. AOCI ($M)** | ▼ | $12 | -2.83 | $15 |
| Loan / Deposit Ratio (%) | ▼ | 44.28% | -1.31 | 45.59% |
| Credit Quality | ||||
| NPA / Total Assets (%) | ▼ | 0.98% | +0.23 | 0.75% |
| Allowance / Loans (%) | — | 2.36% | -0.13% | 2.49% |
| Net Charge-Off Ratio (%) | ▼ | 2.35% | +0.68 | 1.68% |
| Capital | ||||
| Tier 1 Capital Ratio (%) | — | 0.00% | 0.00 | 0.00% |
** TBV excl. AOCI adds back unrealised losses on AFS securities to show capital excluding mark-to-market interest rate impact.
8-Quarter Trend
| Metric | Q1'24 | Q2'24 | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | |
|---|---|---|---|---|---|---|---|---|---|
| ▁▁▁▃▆▇██ | Net Interest Margin (%) | 3.33% | 3.37% | 3.37% | 3.48% | 3.65% | 3.72% | 3.79% | 3.85% |
| ███████▁ | Return on Assets (%) | 0.60% | 0.54% | 0.60% | 0.67% | 0.58% | 0.64% | 0.74% | -2.09% |
| ▁▁▁▁▁▁▁█ | Efficiency Ratio (%) | 76.0% | 78.6% | 77.1% | 75.6% | 81.6% | 80.9% | 76.0% | 152.7% |
| ▆▇█▁▂▁▁▁ | Cost of Funds (%) | 0.96% | 0.98% | 1.05% | 0.79% | 0.82% | 0.76% | 0.76% | 0.75% |
| ▂▂▃▃▄▂▁█ | NPA / Assets (%) | 0.70% | 0.74% | 0.76% | 0.75% | 0.78% | 0.72% | 0.66% | 0.98% |
| ▁▁▂▁▂▂▁█ | Net Charge-Off Ratio (%) | 1.68% | 1.66% | 1.82% | 1.68% | 1.79% | 1.78% | 1.67% | 2.35% |
| ▂▂▇▆▅▆█▁ | Tang. Book Value ($M) | $9 | $10 | $12 | $11 | $11 | $11 | $12 | $9 |
| ▅█▄█▂▁▄▇ | Gross Loans ($M) | $58 | $60 | $58 | $60 | $57 | $56 | $58 | $59 |
| █▃▄▁▁▂▆▂ | Total Deposits ($M) | $140 | $132 | $133 | $128 | $128 | $129 | $137 | $131 |
Portfolio Composition — Q4'25
| Loan Mix | % |
|---|---|
| Real Estate | 54% |
| C&I / Commercial | 37% |
| Consumer | 9% |
| Deposit Mix | % |
|---|---|
| Nonint.-Bearing Demand | 29% |
| Interest-Bearing (core) | 63% |
| Brokered / Other | 8% |