Commercial National Financial Balance Sheet Health
Financial Health criteria checks 6/6
Commercial National Financial has total assets of $390.3M and total equity of $38.4M. Total deposits are $310.5M, and total loans are $184.4M. It earns a Net Interest Margin of 3.5%. It has sufficient allowance for bad loans, which are currently at 0.03% of total loans. Cash and short-term investments are $10.0M.
Key information
10.2x
Asset to equity ratio
3.5%
Net interest margin
| Total deposits | US$310.52m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.03% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$10.00m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CNAF's Assets to Equity ratio (10.2x) is moderate.
Allowance for Bad Loans: CNAF has a sufficient allowance for bad loans (2324%).
Low Risk Liabilities: 88% of CNAF's liabilities are made up of primarily low risk sources of funding.
Loan Level: CNAF has an appropriate level of Loans to Assets ratio (47%).
Low Risk Deposits: CNAF's Loans to Deposits ratio (59%) is appropriate.
Level of Bad Loans: CNAF has an appropriate level of bad loans (0%).