BNCCORP Balance Sheet Health
Financial Health criteria checks 6/6
BNCCORP has total assets of $968.2M and total equity of $108.4M. Total deposits are $837.2M, and total loans are $659.5M. It earns a Net Interest Margin of 3.7%. It has sufficient allowance for bad loans, which are currently at 0.5% of total loans. Cash and short-term investments are $102.5M.
Key information
8.9x
Asset to equity ratio
3.7%
Net interest margin
Total deposits | US$837.20m |
Loan to deposit ratio | Appropriate |
Bad loans | 0.5% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$102.45m |
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 (8.9x) is low.
Allowance for Bad Loans: BNCC has a sufficient allowance for bad loans (277%).
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 (68%).
Low Risk Deposits: BNCC's Loans to Deposits ratio (79%) is appropriate.
Level of Bad Loans: BNCC has an appropriate level of bad loans (0.5%).