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California BanCorp Balance Sheet Health
Financial Health criteria checks 5/6
California BanCorp has total assets of $1.9B and total equity of $195.5M. Total deposits are $1.6B, and total loans are $1.5B earning a Net Interest Margin of 3.9%. It has insufficient allowance for bad loans, which are currently at 1.5% of total loans. Cash and short-term investments are $231.7M.
Key information
9.8x
Asset to equity ratio
3.9%
Net interest margin
Total deposits | US$1.64b |
Loan to deposit ratio | Appropriate |
Bad loans | 1.5% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | US$231.75m |
Recent financial health updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 3SB's Assets to Equity ratio (9.8x) is low.
Allowance for Bad Loans: 3SB has a low allowance for bad loans (75%).
Low Risk Liabilities: 95% of 3SB's liabilities are made up of primarily low risk sources of funding.
Loan Level: 3SB has an appropriate level of Loans to Assets ratio (77%).
Low Risk Deposits: 3SB's Loans to Deposits ratio (90%) is appropriate.
Level of Bad Loans: 3SB has an appropriate level of bad loans (1.5%).