BNCCORP Balance Sheet Health
Financial Health criteria checks 6/6
BNCCORP has total assets of $924.4M and total equity of $107.8M. Total deposits are $795.8M, and total loans are $673.7M. It earns a Net Interest Margin of 3.7%. It has sufficient allowance for bad loans, which are currently at 0.9% of total loans. Cash and short-term investments are $69.2M.
Key information
8.6x
Asset to equity ratio
3.7%
Net interest margin
| Total deposits | US$795.83m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.9% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$69.21m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BNCC's Assets to Equity ratio (8.6x) is low.
Allowance for Bad Loans: BNCC has a sufficient allowance for bad loans (162%).
Low Risk Liabilities: 97% of BNCC's liabilities are made up of primarily low risk sources of funding.
Loan Level: BNCC has an appropriate level of Loans to Assets ratio (73%).
Low Risk Deposits: BNCC's Loans to Deposits ratio (85%) is appropriate.
Level of Bad Loans: BNCC has an appropriate level of bad loans (0.9%).