California BanCorp Balance Sheet Health
Financial Health criteria checks 6/6
California BanCorp has total assets of $4.4B and total equity of $498.1M. Total deposits are $3.7B, and total loans are $3.1B. It earns a Net Interest Margin of 4.3%. It has sufficient allowance for bad loans, which are currently at 0.8% of total loans. Cash and short-term investments are $614.4M.
Key information
8.8x
Asset to equity ratio
4.3%
Net interest margin
| Total deposits | US$3.74b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.8% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$614.42m |
Recent financial health updates
No updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BCAL's Assets to Equity ratio (8.8x) is low.
Allowance for Bad Loans: BCAL has a sufficient allowance for bad loans (208%).
Low Risk Liabilities: 97% of BCAL's liabilities are made up of primarily low risk sources of funding.
Loan Level: BCAL has an appropriate level of Loans to Assets ratio (72%).
Low Risk Deposits: BCAL's Loans to Deposits ratio (84%) is appropriate.
Level of Bad Loans: BCAL has an appropriate level of bad loans (0.8%).