It is with great pride and gratitude that FICOBank reports another year of meaningful growth in 2025. This year, the Bank continued to grow not only in numbers, but also in purpose – guided by cooperative values, responsible banking, inclusive growth, and our commitment to serve people and communities.

   In 2025, FICOBank faced both challenges and opportunities, yet remained resilient and steadfast in its mission to provide accessible, reliable, and responsive financial services to our members, depositors, borrowers, and partner communities. The Bank recorded improved financial performance, marked by growth in resources, loan portfolio, deposit liabilities, capital, and net income. This growth was further strengthened by the expansion of our branch network in Tayug, Pangasinan and Alfonso Lista, Ifugao, bringing FICOBank’s presence to 45 strategically located banking units across Regions I, II, III, and CAR.

  More importantly, our growth translated into meaningful support for the sectors we serve. During the year, FICOBank has extended Php6.34 billion in loans to the farmers and fishers, as well as to the business owners and individual sectors. These loans helped sustain rural livelihoods, support local enterprises, and strengthen the economic activities of our communities.

  As of end-December, the Bank’s total assets stood at Php6.37 billion, reflecting a solid increase of Php111.96 million, or 17.87 percent, from Php6.26 billion in 2024. This growth embarked a strong financial position for the Bank, driven by sustained expansion in its core operations, increased lending activities, and the steady build-up of deposits and other resources throughout the year.

   Overall, through prudent management, sound governance, and the collective efforts of our Board of Directors, Management, officers, and employees, the Bank sustained its growth momentum and recorded a net income of Php172.78 million as of 31 December 2025. This achievement reflects not only financial strength, but also the trust of our members and clients, the dedication of our people, and the careful stewardship of the resources entrusted to us.

   As the Chairperson of the Board, together with my fellow directors, we remain dedicated to upholding transparency, accountability, and ethical leadership, ensuring that the Bank operates in accordance with regulatory standards and cooperative principles. We also recognize the importance of investing in our people and in providing a resilient banking experience for the communities that form the heart of FICOBank.

   As we move forward, FICOBank remains focused on its vision of becoming BIGGER, BETTER, and STRONGER—a customer-centric community bank serving North and Central Luzon. True to the Bank’s distinct spirit of as “Ang Bangkong Pinagtibay ng Panahon”, we are confident that FICOBank will continue to grow, serve with purpose, and make a meaningful difference in the lives of the communities we are privileged to serve. Behind every number is a story–of a farmer sustained, a business expanded, a family supported, and a community strengthened. And as we carry these stories forward, we reaffirm who we are–FICOBank is, and will always be, “Ang Bangkong may Puso”.

   Maraming salamat po.