Ottawa Bancorp Balance Sheet Health
Financial Health criteria checks 5/6
Ottawa Bancorp has total assets of $355.2M and total equity of $41.2M. Total deposits are $275.3M, and total loans are $304.2M earning a Net Interest Margin of 2.9%. It has insufficient allowance for bad loans, which are currently at 1.6% of total loans. Cash and short-term investments are $12.7M.
Key information
8.6x
Asset to equity ratio
2.9%
Net interest margin
| Total deposits | US$275.27m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.6% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | US$12.68m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: OTTW's Assets to Equity ratio (8.6x) is low.
Allowance for Bad Loans: OTTW has a low allowance for bad loans (90%).
Low Risk Liabilities: 88% of OTTW's liabilities are made up of primarily low risk sources of funding.
Loan Level: OTTW has an appropriate level of Loans to Assets ratio (86%).
Low Risk Deposits: OTTW's Loans to Deposits ratio (110%) is appropriate.
Level of Bad Loans: OTTW has an appropriate level of bad loans (1.6%).