BV Financial Balance Sheet Health
Financial Health criteria checks 6/6
BV Financial has total assets of $892.7M and total equity of $209.7M. Total deposits are $634.3M, and total loans are $685.2M. It earns a Net Interest Margin of 4.2%. It has sufficient allowance for bad loans, which are currently at 0.6% of total loans. Cash and short-term investments are $94.1M.
Key information
4.3x
Asset to equity ratio
4.2%
Net interest margin
| Total deposits | US$634.31m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.6% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$94.07m |
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 (4.3x) is low.
Allowance for Bad Loans: BVFL has a sufficient allowance for bad loans (202%).
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 (77%).
Low Risk Deposits: BVFL's Loans to Deposits ratio (108%) is appropriate.
Level of Bad Loans: BVFL has an appropriate level of bad loans (0.6%).