Oconee Financial Balance Sheet Health
Financial Health criteria checks 5/6
Oconee Financial has total assets of $579.9M and total equity of $39.5M. Total deposits are $504.9M, and total loans are $331.8M earning a Net Interest Margin of 3.2%. It has insufficient allowance for bad loans, which are currently at 1.8% of total loans. Cash and short-term investments are $52.1M.
Key information
14.7x
Asset to equity ratio
3.2%
Net interest margin
Total deposits | US$504.87m |
Loan to deposit ratio | Appropriate |
Bad loans | 1.8% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | US$52.08m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: OSBK's Assets to Equity ratio (14.7x) is moderate.
Allowance for Bad Loans: OSBK has a low allowance for bad loans (85%).
Low Risk Liabilities: 93% of OSBK's liabilities are made up of primarily low risk sources of funding.
Loan Level: OSBK has an appropriate level of Loans to Assets ratio (57%).
Low Risk Deposits: OSBK's Loans to Deposits ratio (66%) is appropriate.
Level of Bad Loans: OSBK has an appropriate level of bad loans (1.8%).