ECB Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
ECB Bancorp has total assets of $1.4B and total equity of $166.0M. Total deposits are $944.3M, and total loans are $1.1B. It earns a Net Interest Margin of 2.1%. It has sufficient allowance for bad loans, which are currently at 0.1% of total loans. Cash and short-term investments are $119.8M.
Key information
8.2x
Asset to equity ratio
2.1%
Net interest margin
| Total deposits | US$944.33m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.1% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$119.83m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: ECBK's Assets to Equity ratio (8.2x) is low.
Allowance for Bad Loans: ECBK has a sufficient allowance for bad loans (826%).
Low Risk Liabilities: 79% of ECBK's liabilities are made up of primarily low risk sources of funding.
Loan Level: ECBK has an appropriate level of Loans to Assets ratio (82%).
Low Risk Deposits: ECBK's Loans to Deposits ratio (118%) is appropriate.
Level of Bad Loans: ECBK has an appropriate level of bad loans (0.1%).