Cincinnati Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
Cincinnati Bancorp has total assets of $304.7M and total equity of $40.3M. Total deposits are $223.6M, and total loans are $259.3M. It earns a Net Interest Margin of 3.2%. It has sufficient allowance for bad loans, which are currently at 0.02% of total loans. Cash and short-term investments are $16.6M.
Key information
7.6x
Asset to equity ratio
3.2%
Net interest margin
Total deposits | US$223.62m |
Loan to deposit ratio | Appropriate |
Bad loans | 0.02% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$16.58m |
Recent financial health updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CNNB's Assets to Equity ratio (7.6x) is low.
Allowance for Bad Loans: CNNB has a sufficient allowance for bad loans (3455%).
Low Risk Liabilities: 85% of CNNB's liabilities are made up of primarily low risk sources of funding.
Loan Level: CNNB has an appropriate level of Loans to Assets ratio (85%).
Low Risk Deposits: CNNB's Loans to Deposits ratio (116%) is appropriate.
Level of Bad Loans: CNNB has an appropriate level of bad loans (0%).