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 $255.4M. 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 0.3% of total loans. Cash and short-term investments are $35.6M.
Key information
13.2x
Asset to equity ratio
2.9%
Net interest margin
Total deposits | US$2.84b |
Loan to deposit ratio | Appropriate |
Bad loans | 0.3% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$35.65m |
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 (13.2x) is moderate.
Allowance for Bad Loans: EXSR has a sufficient allowance for bad loans (1002%).
Low Risk Liabilities: 91% 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 (0.3%).