BayCom Balance Sheet Health
Financial Health criteria checks 6/6
BayCom has total assets of $2.6B and total equity of $314.2M. Total deposits are $2.1B, and total loans are $1.9B. It earns a Net Interest Margin of 4.1%. It has sufficient allowance for bad loans, which are currently at 0.9% of total loans. Cash and short-term investments are $349.3M.
Key information
8.1x
Asset to equity ratio
4.1%
Net interest margin
Total deposits | US$2.14b |
Loan to deposit ratio | Appropriate |
Bad loans | 0.9% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$349.33m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: B2J's Assets to Equity ratio (8.1x) is low.
Allowance for Bad Loans: B2J has a sufficient allowance for bad loans (115%).
Low Risk Liabilities: 95% of B2J's liabilities are made up of primarily low risk sources of funding.
Loan Level: B2J has an appropriate level of Loans to Assets ratio (73%).
Low Risk Deposits: B2J's Loans to Deposits ratio (87%) is appropriate.
Level of Bad Loans: B2J has an appropriate level of bad loans (0.9%).