CFSB Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
CFSB Bancorp has total assets of $364.5M and total equity of $76.0M. Total deposits are $271.7M, and total loans are $168.0M. It earns a Net Interest Margin of 2%. It has sufficient allowance for bad loans, which are currently at 0.05% of total loans. Cash and short-term investments are $30.7M.
Key information
4.8x
Asset to equity ratio
2.0%
Net interest margin
| Total deposits | US$271.67m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.05% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$30.67m |
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 (4.8x) is low.
Allowance for Bad Loans: CFSB has a sufficient allowance for bad loans (1746%).
Low Risk Liabilities: 94% 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 (46%).
Low Risk Deposits: CFSB's Loans to Deposits ratio (62%) is appropriate.
Level of Bad Loans: CFSB has an appropriate level of bad loans (0.1%).