Secure Trust Bank Balance Sheet Health
Financial Health criteria checks 4/6
Secure Trust Bank has total assets of £3.9B and total equity of £355.5M. Total deposits are £3.0B, and total loans are £3.4B.
Key information
11x
Asset to equity ratio
n/a
Net interest margin
| Total deposits | UK£3.04b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 4.5% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | UK£441.50m |
Recent financial health updates
No updates
Recent updates
Secure Trust Bank (LON:STB) Has Announced That Its Dividend Will Be Reduced To £0.113
Aug 17
Secure Trust Bank (LON:STB) Has Announced A Dividend Of £0.162
Apr 12Secure Trust Bank (LON:STB) Will Pay A Smaller Dividend Than Last Year
Apr 02Secure Trust Bank's (LON:STB) Dividend Is Being Reduced To £0.16
Aug 07Secure Trust Bank's (LON:STB) Dividend Is Being Reduced To UK£0.41
Apr 13Secure Trust Bank's (LON:STB) Dividend Is Being Reduced To UK£0.41
Mar 30Secure Trust Bank PLC (LON:STB) Just Reported Annual Earnings: Have Analysts Changed Their Mind On The Stock?
Mar 27Are Institutions Heavily Invested In Secure Trust Bank PLC's (LON:STB) Shares?
Mar 04Here's What We Think About Secure Trust Bank's (LON:STB) CEO Pay
Dec 11Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: STB's Assets to Equity ratio (11x) is moderate.
Allowance for Bad Loans: STB has a low allowance for bad loans (64%).
Low Risk Liabilities: 86% of STB's liabilities are made up of primarily low risk sources of funding.
Loan Level: STB has an appropriate level of Loans to Assets ratio (88%).
Low Risk Deposits: STB's Loans to Deposits ratio (112%) is appropriate.
Level of Bad Loans: STB has a high level of bad loans (4.5%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/31 17:33 |
| End of Day Share Price | 2024/12/31 00:00 |
| Earnings | 2024/06/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Secure Trust Bank PLC is covered by 12 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Alexander Bowers | Berenberg |
| null null | Canaccord Genuity |
| Robin Savage | Collins Stewart plc |