California BanCorp Balance Sheet Health
Financial Health criteria checks 6/6
California BanCorp has total assets of $2.3B and total equity of $293.2M. Total deposits are $1.9B, and total loans are $1.9B. It earns a Net Interest Margin of 4.3%. It has sufficient allowance for bad loans, which are currently at 0.2% of total loans. Cash and short-term investments are $104.7M.
Key information
7.8x
Asset to equity ratio
4.3%
Net interest margin
Total deposits | US$1.94b |
Loan to deposit ratio | Appropriate |
Bad loans | 0.2% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$104.73m |
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 (7.8x) is low.
Allowance for Bad Loans: BCAL has a sufficient allowance for bad loans (507%).
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 (81%).
Low Risk Deposits: BCAL's Loans to Deposits ratio (96%) is appropriate.
Level of Bad Loans: BCAL has an appropriate level of bad loans (0.2%).