Merchants Bancorp Balance Sheet Health

Financial Health criteria checks 5/6

Merchants Bancorp has total assets of $18.2B and total equity of $1.9B. Total deposits are $14.9B, and total loans are $10.9B earning a Net Interest Margin of 3.1%. It has insufficient allowance for bad loans, which are currently at 1.3% of total loans. Cash and short-term investments are $777.0M.

Key information

9.6x

Asset to equity ratio

3.1%

Net interest margin

Total deposits

US$14.92b

Loan to deposit ratio

Appropriate

Bad loans

1.3%

Allowance for bad loans

Low

Current ratio

Low

Cash & equivalents

US$776.95m

Recent financial health updates

No updates

Recent updates

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: 3KD's Assets to Equity ratio (9.6x) is low.

Allowance for Bad Loans: 3KD has a low allowance for bad loans (56%).

Low Risk Liabilities: 91% of 3KD's liabilities are made up of primarily low risk sources of funding.

Loan Level: 3KD has an appropriate level of Loans to Assets ratio (60%).

Low Risk Deposits: 3KD's Loans to Deposits ratio (73%) is appropriate.

Level of Bad Loans: 3KD has an appropriate level of bad loans (1.3%).


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