Evans Bancorp Balance Sheet Health
Financial Health criteria checks 5/6
Evans Bancorp has total assets of $2.3B and total equity of $174.6M. Total deposits are $1.9B, and total loans are $1.7B earning a Net Interest Margin of 3%. It has insufficient allowance for bad loans, which are currently at 1.6% of total loans. Cash and short-term investments are $164.4M.
Key information
12.9x
Asset to equity ratio
3.0%
Net interest margin
| Total deposits | US$1.89b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.6% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | US$164.40m |
Recent financial health updates
No updates
Recent updates
Here's Why It's Unlikely That Evans Bancorp, Inc.'s (NYSEMKT:EVBN) CEO Will See A Pay Rise This Year
Apr 28
Interested In Evans Bancorp's (NYSEMKT:EVBN) Upcoming US$0.60 Dividend? You Have Four Days Left
Mar 10How Does Evans Bancorp, Inc. (NYSEMKT:EVBN) Fare As A Dividend Stock?
Mar 03How Much Of Evans Bancorp, Inc. (NYSEMKT:EVBN) Do Institutions Own?
Jan 27
If You Had Bought Evans Bancorp's (NYSEMKT:EVBN) Shares Three Years Ago You Would Be Down 34%
Dec 23Is Evans Bancorp, Inc.'s (NYSEMKT:EVBN) 4.2% Dividend Worth Your Time?
Nov 27Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: EVBN's Assets to Equity ratio (12.9x) is moderate.
Allowance for Bad Loans: EVBN has a low allowance for bad loans (81%).
Low Risk Liabilities: 91% of EVBN's liabilities are made up of primarily low risk sources of funding.
Loan Level: EVBN has an appropriate level of Loans to Assets ratio (75%).
Low Risk Deposits: EVBN's Loans to Deposits ratio (90%) is appropriate.
Level of Bad Loans: EVBN has an appropriate level of bad loans (1.6%).