Cullman Bancorp Balance Sheet Health
Financial Health criteria checks 5/6
Cullman Bancorp has total assets of $420.7M and total equity of $101.3M. Total deposits are $268.4M, and total loans are $343.4M. It earns a Net Interest Margin of 3.9%. It has sufficient allowance for bad loans, which are currently at 0.1% of total loans. Cash and short-term investments are $17.4M.
Key information
4.2x
Asset to equity ratio
3.9%
Net interest margin
Total deposits | US$268.44m |
Loan to deposit ratio | High |
Bad loans | 0.1% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$17.35m |
Recent financial health updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CULL's Assets to Equity ratio (4.2x) is low.
Allowance for Bad Loans: CULL has a sufficient allowance for bad loans (593%).
Low Risk Liabilities: 84% of CULL's liabilities are made up of primarily low risk sources of funding.
Loan Level: CULL has an appropriate level of Loans to Assets ratio (82%).
Low Risk Deposits: CULL's Loans to Deposits ratio (128%) is high.
Level of Bad Loans: CULL has an appropriate level of bad loans (0.1%).