Citizens Bancshares Balance Sheet Health
Financial Health criteria checks 6/6
Citizens Bancshares has total assets of $807.1M and total equity of $172.2M. Total deposits are $620.2M, and total loans are $337.9M.
Key information
4.7x
Asset to equity ratio
n/a
Net interest margin
Total deposits | US$620.21m |
Loan to deposit ratio | Appropriate |
Bad loans | 0.4% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$260.45m |
Recent financial health updates
No updates
Recent updates
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Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: CZBS's Assets to Equity ratio (4.7x) is low.
Allowance for Bad Loans: CZBS has a sufficient allowance for bad loans (246%).
Low Risk Liabilities: 98% of CZBS's liabilities are made up of primarily low risk sources of funding.
Loan Level: CZBS has an appropriate level of Loans to Assets ratio (42%).
Low Risk Deposits: CZBS's Loans to Deposits ratio (54%) is appropriate.
Level of Bad Loans: CZBS has an appropriate level of bad loans (0.4%).