Five Star Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
Five Star Bancorp has total assets of $3.6B and total equity of $285.8M. Total deposits are $3.0B, and total loans are $3.0B. It earns a Net Interest Margin of 3.4%. It has sufficient allowance for bad loans, which are currently at 0.06% of total loans. Cash and short-term investments are $327.4M.
Key information
12.6x
Asset to equity ratio
3.4%
Net interest margin
Total deposits | US$3.03b |
Loan to deposit ratio | Appropriate |
Bad loans | 0.06% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$327.44m |
Recent financial health updates
No updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: FSBC's Assets to Equity ratio (12.6x) is moderate.
Allowance for Bad Loans: FSBC has a sufficient allowance for bad loans (1752%).
Low Risk Liabilities: 92% of FSBC's liabilities are made up of primarily low risk sources of funding.
Loan Level: FSBC has an appropriate level of Loans to Assets ratio (85%).
Low Risk Deposits: FSBC's Loans to Deposits ratio (101%) is appropriate.
Level of Bad Loans: FSBC has an appropriate level of bad loans (0.1%).