Community Financial System Balance Sheet Health
Financial Health criteria checks 6/6
Community Financial System has total assets of $16.4B and total equity of $1.8B. Total deposits are $13.5B, and total loans are $10.2B. It earns a Net Interest Margin of 3.1%. It has sufficient allowance for bad loans, which are currently at 0.6% of total loans. Cash and short-term investments are $351.5M.
Key information
9.2x
Asset to equity ratio
3.1%
Net interest margin
| Total deposits | US$13.48b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.6% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$351.46m |
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 (9.2x) is low.
Allowance for Bad Loans: CBY has a sufficient allowance for bad loans (121%).
Low Risk Liabilities: 92% 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 (76%) is appropriate.
Level of Bad Loans: CBY has an appropriate level of bad loans (0.6%).