Fifth District Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
Fifth District Bancorp has total assets of $523.8M and total equity of $127.9M. Total deposits are $384.1M, and total loans are $367.7M. It earns a Net Interest Margin of 2.3%. It has sufficient allowance for bad loans, which are currently at 0.2% of total loans. Cash and short-term investments are $34.1M.
Key information
4.1x
Asset to equity ratio
2.3%
Net interest margin
| Total deposits | US$384.12m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.2% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$34.09m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: FDSB's Assets to Equity ratio (4.1x) is low.
Allowance for Bad Loans: FDSB has a sufficient allowance for bad loans (263%).
Low Risk Liabilities: 97% of FDSB's liabilities are made up of primarily low risk sources of funding.
Loan Level: FDSB has an appropriate level of Loans to Assets ratio (70%).
Low Risk Deposits: FDSB's Loans to Deposits ratio (96%) is appropriate.
Level of Bad Loans: FDSB has an appropriate level of bad loans (0.2%).