Waterstone Financial Balance Sheet Health
Financial Health criteria checks 5/6
Waterstone Financial has total assets of $2.2B and total equity of $342.0M. Total deposits are $1.3B, and total loans are $1.7B. It earns a Net Interest Margin of 2.5%. It has sufficient allowance for bad loans, which are currently at 0.3% of total loans. Cash and short-term investments are $51.7M.
Key information
6.6x
Asset to equity ratio
2.5%
Net interest margin
| Total deposits | US$1.26b |
| Loan to deposit ratio | High |
| Bad loans | 0.3% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$51.71m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: 47Z's Assets to Equity ratio (6.6x) is low.
Allowance for Bad Loans: 47Z has a sufficient allowance for bad loans (339%).
Low Risk Liabilities: 66% of 47Z's liabilities are made up of primarily low risk sources of funding.
Loan Level: 47Z has an appropriate level of Loans to Assets ratio (75%).
Low Risk Deposits: 47Z's Loans to Deposits ratio (133%) is high.
Level of Bad Loans: 47Z has an appropriate level of bad loans (0.3%).