First BanCorp Balance Sheet Health
Financial Health criteria checks 6/6
First BanCorp has total assets of $18.9B and total equity of $1.7B. Total deposits are $16.3B, and total loans are $12.2B. It earns a Net Interest Margin of 4.3%. It has sufficient allowance for bad loans, which are currently at 0.7% of total loans. Cash and short-term investments are $685.4M.
Key information
11.1x
Asset to equity ratio
4.3%
Net interest margin
| Total deposits | US$16.35b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.7% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$685.37m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: OLWN's Assets to Equity ratio (11.1x) is moderate.
Allowance for Bad Loans: OLWN has a sufficient allowance for bad loans (276%).
Low Risk Liabilities: 95% of OLWN's liabilities are made up of primarily low risk sources of funding.
Loan Level: OLWN has an appropriate level of Loans to Assets ratio (65%).
Low Risk Deposits: OLWN's Loans to Deposits ratio (75%) is appropriate.
Level of Bad Loans: OLWN has an appropriate level of bad loans (0.7%).