First Business Financial Services Balance Sheet Health
Financial Health criteria checks 6/6
First Business Financial Services has total assets of $3.7B and total equity of $312.0M. Total deposits are $3.0B, and total loans are $3.0B. It earns a Net Interest Margin of 3.8%. It has sufficient allowance for bad loans, which are currently at 0.6% of total loans. Cash and short-term investments are $174.5M.
Key information
11.9x
Asset to equity ratio
3.8%
Net interest margin
| Total deposits | US$2.97b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.6% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$174.51m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 45D's Assets to Equity ratio (11.9x) is moderate.
Allowance for Bad Loans: 45D has a sufficient allowance for bad loans (174%).
Low Risk Liabilities: 87% of 45D's liabilities are made up of primarily low risk sources of funding.
Loan Level: 45D has an appropriate level of Loans to Assets ratio (81%).
Low Risk Deposits: 45D's Loans to Deposits ratio (102%) is appropriate.
Level of Bad Loans: 45D has an appropriate level of bad loans (0.6%).