Middlefield Banc Balance Sheet Health
Financial Health criteria checks 5/6
Middlefield Banc has total assets of $1.9B and total equity of $210.7M. Total deposits are $1.5B, and total loans are $1.5B earning a Net Interest Margin of 4%. It has insufficient allowance for bad loans, which are currently at 2% of total loans. Cash and short-term investments are $73.9M.
Key information
8.8x
Asset to equity ratio
4.0%
Net interest margin
| Total deposits | US$1.51b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 2.0% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | US$73.87m |
Recent financial health updates
No updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: MBCN's Assets to Equity ratio (8.8x) is low.
Allowance for Bad Loans: MBCN has a low allowance for bad loans (75%).
Low Risk Liabilities: 92% of MBCN's liabilities are made up of primarily low risk sources of funding.
Loan Level: MBCN has an appropriate level of Loans to Assets ratio (80%).
Low Risk Deposits: MBCN's Loans to Deposits ratio (98%) is appropriate.
Level of Bad Loans: MBCN has an appropriate level of bad loans (2%).