EWSB Bancorp Balance Sheet Health
Financial Health criteria checks 5/6
EWSB Bancorp has total assets of $267.5M and total equity of $10.9M. Total deposits are $222.9M, and total loans are $175.5M. It earns a Net Interest Margin of 1.8%. It has sufficient allowance for bad loans, which are currently at 0.01% of total loans. Cash and short-term investments are $6.0M.
Key information
24.5x
Asset to equity ratio
1.8%
Net interest margin
| Total deposits | US$222.90m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.01% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$6.01m |
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: EWSB's Assets to Equity ratio (24.5x) is very high.
Allowance for Bad Loans: EWSB has a sufficient allowance for bad loans (6162%).
Low Risk Liabilities: 87% of EWSB's liabilities are made up of primarily low risk sources of funding.
Loan Level: EWSB has an appropriate level of Loans to Assets ratio (66%).
Low Risk Deposits: EWSB's Loans to Deposits ratio (79%) is appropriate.
Level of Bad Loans: EWSB has an appropriate level of bad loans (0%).