USCB Financial Holdings Balance Sheet Health
Financial Health criteria checks 6/6
USCB Financial Holdings has total assets of $2.5B and total equity of $213.9M. Total deposits are $2.1B, and total loans are $1.9B. It earns a Net Interest Margin of 2.8%. It has sufficient allowance for bad loans, which are currently at 0.1% of total loans. Cash and short-term investments are $46.2M.
Key information
11.7x
Asset to equity ratio
2.8%
Net interest margin
| Total deposits | US$2.13b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.1% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$46.20m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: USCB's Assets to Equity ratio (11.7x) is moderate.
Allowance for Bad Loans: USCB has a sufficient allowance for bad loans (846%).
Low Risk Liabilities: 93% of USCB's liabilities are made up of primarily low risk sources of funding.
Loan Level: USCB has an appropriate level of Loans to Assets ratio (76%).
Low Risk Deposits: USCB's Loans to Deposits ratio (90%) is appropriate.
Level of Bad Loans: USCB has an appropriate level of bad loans (0.1%).