Evans Bancorp Balance Sheet Health
Financial Health criteria checks 5/6
Evans Bancorp has total assets of $2.3B and total equity of $185.8M. Total deposits are $1.9B, and total loans are $1.8B earning a Net Interest Margin of 3%. It has insufficient allowance for bad loans, which are currently at 1.8% of total loans. Cash and short-term investments are $128.1M.
Key information
12.3x
Asset to equity ratio
3.0%
Net interest margin
| Total deposits | US$1.90b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.8% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | US$128.08m |
Recent financial health updates
No updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: EVBN's Assets to Equity ratio (12.3x) is moderate.
Allowance for Bad Loans: EVBN has a low allowance for bad loans (70%).
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 (77%).
Low Risk Deposits: EVBN's Loans to Deposits ratio (93%) is appropriate.
Level of Bad Loans: EVBN has an appropriate level of bad loans (1.8%).