USCB Financial Holdings Balance Sheet Health
Financial Health criteria checks 6/6
USCB Financial Holdings has total assets of $2.3B and total equity of $192.0M. Total deposits are $1.9B, and total loans are $1.8B. It earns a Net Interest Margin of 2.8%. It has sufficient allowance for bad loans, which are currently at 0.03% of total loans. Cash and short-term investments are $46.0M.
Key information
12.2x
Asset to equity ratio
2.8%
Net interest margin
Total deposits | US$1.94b |
Loan to deposit ratio | Appropriate |
Bad loans | 0.03% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$45.95m |
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 (12.2x) is moderate.
Allowance for Bad Loans: USCB has a sufficient allowance for bad loans (4505%).
Low Risk Liabilities: 90% 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 (75%).
Low Risk Deposits: USCB's Loans to Deposits ratio (91%) is appropriate.
Level of Bad Loans: USCB has an appropriate level of bad loans (0%).