PB Bankshares Balance Sheet Health
Financial Health criteria checks 6/6
PB Bankshares has total assets of $439.7M and total equity of $47.0M. Total deposits are $333.0M, and total loans are $321.4M. It earns a Net Interest Margin of 3.1%. It has sufficient allowance for bad loans, which are currently at 0.4% of total loans. Cash and short-term investments are $32.4M.
Key information
9.4x
Asset to equity ratio
3.1%
Net interest margin
Total deposits | US$332.97m |
Loan to deposit ratio | Appropriate |
Bad loans | 0.4% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$32.44m |
Recent financial health updates
No updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: PBBK's Assets to Equity ratio (9.4x) is low.
Allowance for Bad Loans: PBBK has a sufficient allowance for bad loans (317%).
Low Risk Liabilities: 85% of PBBK's liabilities are made up of primarily low risk sources of funding.
Loan Level: PBBK has an appropriate level of Loans to Assets ratio (73%).
Low Risk Deposits: PBBK's Loans to Deposits ratio (97%) is appropriate.
Level of Bad Loans: PBBK has an appropriate level of bad loans (0.4%).