Fifth District Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
Fifth District Bancorp has total assets of $516.0M and total equity of $78.0M. Total deposits are $428.6M, and total loans are $367.9M. It earns a Net Interest Margin of 2.3%. It has sufficient allowance for bad loans, which are currently at 0.3% of total loans. Cash and short-term investments are $46.2M.
Key information
6.6x
Asset to equity ratio
2.3%
Net interest margin
| Total deposits | US$428.59m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.3% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$46.22m |
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 (6.6x) is low.
Allowance for Bad Loans: FDSB has a sufficient allowance for bad loans (161%).
Low Risk Liabilities: 98% 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 (71%).
Low Risk Deposits: FDSB's Loans to Deposits ratio (86%) is appropriate.
Level of Bad Loans: FDSB has an appropriate level of bad loans (0.3%).