ES Bancshares Balance Sheet Health
Financial Health criteria checks 6/6
ES Bancshares has total assets of $633.2M and total equity of $47.1M. Total deposits are $508.0M, and total loans are $560.0M.
Key information
13.4x
Asset to equity ratio
n/a
Net interest margin
| Total deposits | US$507.98m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.3% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$25.44m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: ESBS's Assets to Equity ratio (13.4x) is moderate.
Allowance for Bad Loans: ESBS has a sufficient allowance for bad loans (340%).
Low Risk Liabilities: 87% of ESBS's liabilities are made up of primarily low risk sources of funding.
Loan Level: ESBS has an appropriate level of Loans to Assets ratio (88%).
Low Risk Deposits: ESBS's Loans to Deposits ratio (110%) is appropriate.
Level of Bad Loans: ESBS has an appropriate level of bad loans (0.3%).