NSTS Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
NSTS Bancorp has total assets of $268.4M and total equity of $78.4M. Total deposits are $179.9M, and total loans are $133.8M. 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 $36.1M.
Key information
3.4x
Asset to equity ratio
2.6%
Net interest margin
| Total deposits | US$179.89m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.2% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$36.09m |
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 (3.4x) is low.
Allowance for Bad Loans: NSTS has a sufficient allowance for bad loans (481%).
Low Risk Liabilities: 95% 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 (50%).
Low Risk Deposits: NSTS's Loans to Deposits ratio (74%) is appropriate.
Level of Bad Loans: NSTS has an appropriate level of bad loans (0.2%).