Community Bank System Balance Sheet Health
Financial Health criteria checks 6/6
Community Bank System has total assets of $15.9B and total equity of $1.7B. Total deposits are $13.4B, and total loans are $9.8B. It earns a Net Interest Margin of 3.1%. It has sufficient allowance for bad loans, which are currently at 0.5% of total loans. Cash and short-term investments are $338.4M.
Key information
9.6x
Asset to equity ratio
3.1%
Net interest margin
Total deposits | US$13.35b |
Loan to deposit ratio | Appropriate |
Bad loans | 0.5% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$338.38m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CBY's Assets to Equity ratio (9.6x) is low.
Allowance for Bad Loans: CBY has a sufficient allowance for bad loans (142%).
Low Risk Liabilities: 94% of CBY's liabilities are made up of primarily low risk sources of funding.
Loan Level: CBY has an appropriate level of Loans to Assets ratio (62%).
Low Risk Deposits: CBY's Loans to Deposits ratio (73%) is appropriate.
Level of Bad Loans: CBY has an appropriate level of bad loans (0.5%).