Peoples Financial Balance Sheet Health
Financial Health criteria checks 6/6
Peoples Financial has total assets of $846.7M and total equity of $74.2M. Total deposits are $674.9M, and total loans are $235.6M. It earns a Net Interest Margin of 3.3%. It has sufficient allowance for bad loans, which are currently at 0.2% of total loans. Cash and short-term investments are $17.5M.
Key information
11.4x
Asset to equity ratio
3.3%
Net interest margin
| Total deposits | US$674.91m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.2% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$17.53m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: PFBX's Assets to Equity ratio (11.4x) is moderate.
Allowance for Bad Loans: PFBX has a sufficient allowance for bad loans (692%).
Low Risk Liabilities: 87% of PFBX's liabilities are made up of primarily low risk sources of funding.
Loan Level: PFBX has an appropriate level of Loans to Assets ratio (28%).
Low Risk Deposits: PFBX's Loans to Deposits ratio (35%) is appropriate.
Level of Bad Loans: PFBX has an appropriate level of bad loans (0.2%).