Civista Bancshares Balance Sheet Health
Financial Health criteria checks 6/6
Civista Bancshares has total assets of $3.9B and total equity of $372.0M. Total deposits are $3.0B, and total loans are $2.8B. It earns a Net Interest Margin of 3.7%. It has sufficient allowance for bad loans, which are currently at 0.4% of total loans. Cash and short-term investments are $74.1M.
Key information
10.4x
Asset to equity ratio
3.7%
Net interest margin
Total deposits | US$2.99b |
Loan to deposit ratio | Appropriate |
Bad loans | 0.4% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$74.11m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 44Q's Assets to Equity ratio (10.4x) is moderate.
Allowance for Bad Loans: 44Q has a sufficient allowance for bad loans (298%).
Low Risk Liabilities: 86% of 44Q's liabilities are made up of primarily low risk sources of funding.
Loan Level: 44Q has an appropriate level of Loans to Assets ratio (73%).
Low Risk Deposits: 44Q's Loans to Deposits ratio (95%) is appropriate.
Level of Bad Loans: 44Q has an appropriate level of bad loans (0.4%).