Orange County Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
Orange County Bancorp has total assets of $2.5B and total equity of $165.4M. Total deposits are $2.0B, and total loans are $1.7B. It earns a Net Interest Margin of 3.8%. It has sufficient allowance for bad loans, which are currently at 0.3% of total loans. Cash and short-term investments are $147.4M.
Key information
15x
Asset to equity ratio
3.8%
Net interest margin
Total deposits | US$2.04b |
Loan to deposit ratio | Appropriate |
Bad loans | 0.3% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$147.38m |
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: OBT's Assets to Equity ratio (15x) is moderate.
Allowance for Bad Loans: OBT has a sufficient allowance for bad loans (569%).
Low Risk Liabilities: 88% of OBT's liabilities are made up of primarily low risk sources of funding.
Loan Level: OBT has an appropriate level of Loans to Assets ratio (69%).
Low Risk Deposits: OBT's Loans to Deposits ratio (84%) is appropriate.
Level of Bad Loans: OBT has an appropriate level of bad loans (0.3%).