American Business Bank Balance Sheet Health
Financial Health criteria checks 6/6
American Business Bank has total assets of $3.9B and total equity of $314.1M. Total deposits are $3.5B, and total loans are $2.6B. It earns a Net Interest Margin of 3.2%. It has sufficient allowance for bad loans, which are currently at 0.3% of total loans. Cash and short-term investments are $43.2M.
Key information
12.4x
Asset to equity ratio
3.2%
Net interest margin
Total deposits | US$3.50b |
Loan to deposit ratio | Appropriate |
Bad loans | 0.3% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$43.16m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: AMBZ's Assets to Equity ratio (12.4x) is moderate.
Allowance for Bad Loans: AMBZ has a sufficient allowance for bad loans (362%).
Low Risk Liabilities: 97% of AMBZ's liabilities are made up of primarily low risk sources of funding.
Loan Level: AMBZ has an appropriate level of Loans to Assets ratio (65%).
Low Risk Deposits: AMBZ's Loans to Deposits ratio (73%) is appropriate.
Level of Bad Loans: AMBZ has an appropriate level of bad loans (0.3%).