FNCB Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
FNCB Bancorp has total assets of $1.9B and total equity of $137.7M. Total deposits are $1.5B, and total loans are $1.2B. It earns a Net Interest Margin of 2.8%. It has sufficient allowance for bad loans, which are currently at 0.5% of total loans. Cash and short-term investments are $74.8M.
Key information
13.5x
Asset to equity ratio
2.8%
Net interest margin
Total deposits | US$1.48b |
Loan to deposit ratio | Appropriate |
Bad loans | 0.5% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$74.76m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: O6H's Assets to Equity ratio (13.5x) is moderate.
Allowance for Bad Loans: O6H has a sufficient allowance for bad loans (207%).
Low Risk Liabilities: 86% of O6H's liabilities are made up of primarily low risk sources of funding.
Loan Level: O6H has an appropriate level of Loans to Assets ratio (66%).
Low Risk Deposits: O6H's Loans to Deposits ratio (84%) is appropriate.
Level of Bad Loans: O6H has an appropriate level of bad loans (0.5%).