Silvergate Capital Balance Sheet Health
Financial Health criteria checks 5/6
Silvergate Capital has total assets of $11.4B and total equity of $603.2M. Total deposits are $6.3B, and total loans are $408.3M earning a Net Interest Margin of 1.7%. It has insufficient allowance for bad loans, which are currently at 0.8% of total loans. Cash and short-term investments are $4.6B.
Key information
18.8x
Asset to equity ratio
1.7%
Net interest margin
| Total deposits | US$6.30b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.8% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | US$4.61b |
Recent financial health updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: SI's Assets to Equity ratio (18.8x) is moderate.
Allowance for Bad Loans: SI has a low allowance for bad loans (79%).
Low Risk Liabilities: 59% of SI's liabilities are made up of primarily low risk sources of funding.
Loan Level: SI has an appropriate level of Loans to Assets ratio (4%).
Low Risk Deposits: SI's Loans to Deposits ratio (6%) is appropriate.
Level of Bad Loans: SI has an appropriate level of bad loans (0.8%).