Bay Community Bancorp Balance Sheet Health
Financial Health criteria checks 5/6
Bay Community Bancorp has total assets of $1.1B and total equity of $190.8M. Total deposits are $720.6M, and total loans are $675.9M earning a Net Interest Margin of 3.6%. It has insufficient allowance for bad loans, which are currently at 1.1% of total loans. Cash and short-term investments are $158.8M.
Key information
5.6x
Asset to equity ratio
3.6%
Net interest margin
Total deposits | US$720.61m |
Loan to deposit ratio | Appropriate |
Bad loans | 1.1% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | US$158.77m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CBOB.A's Assets to Equity ratio (5.6x) is low.
Allowance for Bad Loans: CBOB.A has a low allowance for bad loans (88%).
Low Risk Liabilities: 82% of CBOB.A's liabilities are made up of primarily low risk sources of funding.
Loan Level: CBOB.A has an appropriate level of Loans to Assets ratio (63%).
Low Risk Deposits: CBOB.A's Loans to Deposits ratio (94%) is appropriate.
Level of Bad Loans: CBOB.A has an appropriate level of bad loans (1.1%).