TC Bancshares Balance Sheet Health
Financial Health criteria checks 6/6
TC Bancshares has total assets of $466.6M and total equity of $79.6M. Total deposits are $369.9M, and total loans are $372.1M. It earns a Net Interest Margin of 3.3%. It has sufficient allowance for bad loans, which are currently at 0.3% of total loans. Cash and short-term investments are $25.0M.
Key information
5.9x
Asset to equity ratio
3.3%
Net interest margin
Total deposits | US$369.87m |
Loan to deposit ratio | Appropriate |
Bad loans | 0.3% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$25.04m |
Recent financial health updates
No updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: TCBC's Assets to Equity ratio (5.9x) is low.
Allowance for Bad Loans: TCBC has a sufficient allowance for bad loans (376%).
Low Risk Liabilities: 96% of TCBC's liabilities are made up of primarily low risk sources of funding.
Loan Level: TCBC has an appropriate level of Loans to Assets ratio (80%).
Low Risk Deposits: TCBC's Loans to Deposits ratio (101%) is appropriate.
Level of Bad Loans: TCBC has an appropriate level of bad loans (0.3%).