NSTS Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
NSTS Bancorp has total assets of $256.8M and total equity of $77.5M. Total deposits are $168.8M, and total loans are $120.6M. It earns a Net Interest Margin of 2.6%. It has sufficient allowance for bad loans, which are currently at 0.2% of total loans. Cash and short-term investments are $33.4M.
Key information
3.3x
Asset to equity ratio
2.6%
Net interest margin
Total deposits | US$168.83m |
Loan to deposit ratio | Appropriate |
Bad loans | 0.2% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$33.38m |
Recent financial health updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: NSTS's Assets to Equity ratio (3.3x) is low.
Allowance for Bad Loans: NSTS has a sufficient allowance for bad loans (588%).
Low Risk Liabilities: 94% of NSTS's liabilities are made up of primarily low risk sources of funding.
Loan Level: NSTS has an appropriate level of Loans to Assets ratio (47%).
Low Risk Deposits: NSTS's Loans to Deposits ratio (71%) is appropriate.
Level of Bad Loans: NSTS has an appropriate level of bad loans (0.2%).