After Turn 3

Another expansion: this time with more high-risk, variable-rate loans and longer time deposits. The earnings picture brightens again, but with a more noticeable shift in rate and credit risk.

Net income is nearly break-even, and ROE rises to -0.03% ... essentially flat. But you’re on the edge of positive territory. NIM bounces back to 4.25%, as both yield and funding costs rise.

Credit quality dips slightly to 725, still in the “good” range, but worth watching. Liquidity slips to 20.0%, and rate risk shifts to -2.3% in down-rate scenarios — signaling your balance sheet is slightly asset sensitive.

You're stabilizing on the earnings front and gradually expanding. The balance sheet is starting to take shape — but will the next decisions be focused on performance, or safety?