First Keystone Balance Sheet Health
Financial Health criteria checks 6/6
First Keystone has total assets of $1.4B and total equity of $107.3M. Total deposits are $1.0B, and total loans are $926.5M. It earns a Net Interest Margin of 2.4%. It has sufficient allowance for bad loans, which are currently at 0.6% of total loans. Cash and short-term investments are $24.0M.
Key information
13.4x
Asset to equity ratio
2.4%
Net interest margin
| Total deposits | US$1.02b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.6% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$24.02m |
Recent financial health updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: FKYS's Assets to Equity ratio (13.4x) is moderate.
Allowance for Bad Loans: FKYS has a sufficient allowance for bad loans (142%).
Low Risk Liabilities: 77% of FKYS's liabilities are made up of primarily low risk sources of funding.
Loan Level: FKYS has an appropriate level of Loans to Assets ratio (64%).
Low Risk Deposits: FKYS's Loans to Deposits ratio (91%) is appropriate.
Level of Bad Loans: FKYS has an appropriate level of bad loans (0.6%).