Ballston Spa Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
Ballston Bancorp has total assets of $850.6M and total equity of $60.6M. Total deposits are $732.0M, and total loans are $717.7M. It earns a Net Interest Margin of 3%. It has sufficient allowance for bad loans, which are currently at 0.2% of total loans. Cash and short-term investments are $7.7M.
Key information
14x
Asset to equity ratio
3.0%
Net interest margin
| Total deposits | US$731.99m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.2% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$7.66m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BSPA's Assets to Equity ratio (14x) is moderate.
Allowance for Bad Loans: BSPA has a sufficient allowance for bad loans (642%).
Low Risk Liabilities: 93% of BSPA's liabilities are made up of primarily low risk sources of funding.
Loan Level: BSPA has an appropriate level of Loans to Assets ratio (84%).
Low Risk Deposits: BSPA's Loans to Deposits ratio (98%) is appropriate.
Level of Bad Loans: BSPA has an appropriate level of bad loans (0.2%).