Carver Bancorp Balance Sheet Health
Financial Health criteria checks 4/6
Carver Bancorp has total assets of $775.3M and total equity of $42.7M. Total deposits are $662.8M, and total loans are $618.8M earning a Net Interest Margin of 3.3%. It has insufficient allowance for bad loans, which are currently at 4.3% of total loans. Cash and short-term investments are $75.2M.
Key information
18.1x
Asset to equity ratio
3.3%
Net interest margin
| Total deposits | US$662.82m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 4.3% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | US$75.23m |
Recent financial health updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CARV's Assets to Equity ratio (18.1x) is moderate.
Allowance for Bad Loans: CARV has a low allowance for bad loans (22%).
Low Risk Liabilities: 90% of CARV's liabilities are made up of primarily low risk sources of funding.
Loan Level: CARV has an appropriate level of Loans to Assets ratio (80%).
Low Risk Deposits: CARV's Loans to Deposits ratio (93%) is appropriate.
Level of Bad Loans: CARV has a high level of bad loans (4.3%).