CSB Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
CSB Bancorp has total assets of $1.2B and total equity of $115.0M. Total deposits are $1.1B, and total loans are $712.4M. It earns a Net Interest Margin of 3.3%. It has sufficient allowance for bad loans, which are currently at 0.5% of total loans. Cash and short-term investments are $95.6M.
Key information
10.5x
Asset to equity ratio
3.3%
Net interest margin
| Total deposits | US$1.07b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.5% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$95.64m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CSBB's Assets to Equity ratio (10.5x) is moderate.
Allowance for Bad Loans: CSBB has a sufficient allowance for bad loans (214%).
Low Risk Liabilities: 98% of CSBB's liabilities are made up of primarily low risk sources of funding.
Loan Level: CSBB has an appropriate level of Loans to Assets ratio (59%).
Low Risk Deposits: CSBB's Loans to Deposits ratio (67%) is appropriate.
Level of Bad Loans: CSBB has an appropriate level of bad loans (0.5%).