BV Financial Balance Sheet Health
Financial Health criteria checks 5/6
BV Financial has total assets of $892.5M and total equity of $201.8M. Total deposits are $639.5M, and total loans are $700.2M earning a Net Interest Margin of 4.2%. It has insufficient allowance for bad loans, which are currently at 1.5% of total loans. Cash and short-term investments are $78.8M.
Key information
4.4x
Asset to equity ratio
4.2%
Net interest margin
Total deposits | US$639.49m |
Loan to deposit ratio | Appropriate |
Bad loans | 1.5% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | US$78.84m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BVFL's Assets to Equity ratio (4.4x) is low.
Allowance for Bad Loans: BVFL has a low allowance for bad loans (79%).
Low Risk Liabilities: 93% of BVFL's liabilities are made up of primarily low risk sources of funding.
Loan Level: BVFL has an appropriate level of Loans to Assets ratio (78%).
Low Risk Deposits: BVFL's Loans to Deposits ratio (109%) is appropriate.
Level of Bad Loans: BVFL has an appropriate level of bad loans (1.5%).