Mountain Commerce Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
Mountain Commerce Bancorp has total assets of $1.8B and total equity of $132.7M. Total deposits are $1.6B, and total loans are $1.5B. It earns a Net Interest Margin of 2.2%. It has sufficient allowance for bad loans, which are currently at 0.09% of total loans. Cash and short-term investments are $85.9M.
Key information
13.3x
Asset to equity ratio
2.2%
Net interest margin
| Total deposits | US$1.55b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.09% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$85.91m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: MCBI's Assets to Equity ratio (13.3x) is moderate.
Allowance for Bad Loans: MCBI has a sufficient allowance for bad loans (805%).
Low Risk Liabilities: 95% of MCBI's liabilities are made up of primarily low risk sources of funding.
Loan Level: MCBI has an appropriate level of Loans to Assets ratio (83%).
Low Risk Deposits: MCBI's Loans to Deposits ratio (94%) is appropriate.
Level of Bad Loans: MCBI has an appropriate level of bad loans (0.1%).