CFSB Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
CFSB Bancorp has total assets of $359.0M and total equity of $75.8M. Total deposits are $257.9M, and total loans are $175.0M. It earns a Net Interest Margin of 2.6%. It has sufficient allowance for bad loans, which are currently at 0.05% of total loans. Cash and short-term investments are $15.7M.
Key information
4.7x
Asset to equity ratio
2.6%
Net interest margin
Total deposits | US$257.94m |
Loan to deposit ratio | Appropriate |
Bad loans | 0.05% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$15.72m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CFSB's Assets to Equity ratio (4.7x) is low.
Allowance for Bad Loans: CFSB has a sufficient allowance for bad loans (1746%).
Low Risk Liabilities: 91% of CFSB's liabilities are made up of primarily low risk sources of funding.
Loan Level: CFSB has an appropriate level of Loans to Assets ratio (49%).
Low Risk Deposits: CFSB's Loans to Deposits ratio (68%) is appropriate.
Level of Bad Loans: CFSB has an appropriate level of bad loans (0.1%).