Isabella Bank Balance Sheet Health
Financial Health criteria checks 6/6
Isabella Bank has total assets of $2.1B and total equity of $213.0M. Total deposits are $1.8B, and total loans are $1.4B. It earns a Net Interest Margin of 3.1%. It has sufficient allowance for bad loans, which are currently at 0.04% of total loans. Cash and short-term investments are $27.4M.
Key information
9.9x
Asset to equity ratio
3.1%
Net interest margin
| Total deposits | US$1.78b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.04% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$27.38m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: ISBA's Assets to Equity ratio (9.9x) is low.
Allowance for Bad Loans: ISBA has a sufficient allowance for bad loans (2068%).
Low Risk Liabilities: 94% of ISBA's liabilities are made up of primarily low risk sources of funding.
Loan Level: ISBA has an appropriate level of Loans to Assets ratio (67%).
Low Risk Deposits: ISBA's Loans to Deposits ratio (79%) is appropriate.
Level of Bad Loans: ISBA has an appropriate level of bad loans (0%).