Carver Bancorp Balance Sheet Health
Financial Health criteria checks 4/6
Carver Bancorp has total assets of $748.8M and total equity of $39.9M. Total deposits are $650.8M, and total loans are $613.0M earning a Net Interest Margin of 3.1%. It has insufficient allowance for bad loans, which are currently at 2.8% of total loans. Cash and short-term investments are $54.5M.
Key information
18.8x
Asset to equity ratio
3.1%
Net interest margin
| Total deposits | US$650.81m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 2.8% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | US$54.55m |
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 (18.8x) is moderate.
Allowance for Bad Loans: CARV has a low allowance for bad loans (36%).
Low Risk Liabilities: 92% 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 (82%).
Low Risk Deposits: CARV's Loans to Deposits ratio (94%) is appropriate.
Level of Bad Loans: CARV has a high level of bad loans (2.8%).