Exchange Bank (Santa Rosa CA) Balance Sheet Health
Financial Health criteria checks 6/6
Exchange Bank (Santa Rosa CA) has total assets of $3.4B and total equity of $293.9M. Total deposits are $2.8B, and total loans are $1.6B. It earns a Net Interest Margin of 2.9%. It has sufficient allowance for bad loans, which are currently at 0.4% of total loans. Cash and short-term investments are $37.3M.
Key information
11.6x
Asset to equity ratio
2.9%
Net interest margin
| Total deposits | US$2.82b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.4% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$37.31m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: EXSR's Assets to Equity ratio (11.6x) is moderate.
Allowance for Bad Loans: EXSR has a sufficient allowance for bad loans (684%).
Low Risk Liabilities: 90% of EXSR's liabilities are made up of primarily low risk sources of funding.
Loan Level: EXSR has an appropriate level of Loans to Assets ratio (46%).
Low Risk Deposits: EXSR's Loans to Deposits ratio (55%) is appropriate.
Level of Bad Loans: EXSR has an appropriate level of bad loans (0.4%).