Territorial Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
Territorial Bancorp has total assets of $2.2B and total equity of $248.7M. Total deposits are $1.7B, and total loans are $1.3B. It earns a Net Interest Margin of 2%. It has sufficient allowance for bad loans, which are currently at 0.2% of total loans. Cash and short-term investments are $143.1M.
Key information
8.8x
Asset to equity ratio
2.0%
Net interest margin
| Total deposits | US$1.67b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.2% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$143.13m |
Recent financial health updates
No updates
Recent updates
Territorial Bancorp's (NASDAQ:TBNK) Shareholders Will Receive A Smaller Dividend Than Last Year
Nov 05
Territorial Bancorp (NASDAQ:TBNK) Is Paying Out A Dividend Of $0.23
May 02Territorial Bancorp (NASDAQ:TBNK) Will Pay A Dividend Of $0.10
Dec 13Territorial Bancorp's (NASDAQ:TBNK) Dividend Will Be $0.23
Nov 01Territorial Bancorp (NASDAQ:TBNK) Is Paying Out A Dividend Of $0.23
Aug 04Territorial Bancorp declares $0.23 dividend
Jul 28Territorial Bancorp's (NASDAQ:TBNK) Dividend Will Be US$0.23
May 08Territorial Bancorp (NASDAQ:TBNK) Has Announced A Dividend Of US$0.23
Feb 01Territorial Bancorp: Higher Interest Rates Might Squeeze Earnings
Dec 03Territorial Bancorp (NASDAQ:TBNK) Will Pay A Dividend Of US$0.23
Nov 02Territorial Bancorp (NASDAQ:TBNK) Is Due To Pay A Dividend Of US$0.23
Aug 03Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: TBNK's Assets to Equity ratio (8.8x) is low.
Allowance for Bad Loans: TBNK has a sufficient allowance for bad loans (216%).
Low Risk Liabilities: 86% of TBNK's liabilities are made up of primarily low risk sources of funding.
Loan Level: TBNK has an appropriate level of Loans to Assets ratio (58%).
Low Risk Deposits: TBNK's Loans to Deposits ratio (77%) is appropriate.
Level of Bad Loans: TBNK has an appropriate level of bad loans (0.2%).
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/01/02 19:35 |
| End of Day Share Price | 2025/01/02 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
Territorial Bancorp Inc. is covered by 6 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Christopher McGratty | Keefe, Bruyette, & Woods |
| Kelly Motta | Keefe, Bruyette, & Woods |
| Andrew Liesch | Piper Sandler Companies |