PFS Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
PFS Bancorp has total assets of $198.4M and total equity of $37.7M. Total deposits are $158.6M, and total loans are $95.1M. It earns a Net Interest Margin of 2.7%. It has sufficient allowance for bad loans, which are currently at 0.4% of total loans. Cash and short-term investments are $22.0M.
Key information
5.3x
Asset to equity ratio
2.7%
Net interest margin
| Total deposits | US$158.61m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.4% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$22.05m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: PFSB's Assets to Equity ratio (5.3x) is low.
Allowance for Bad Loans: PFSB has a sufficient allowance for bad loans (204%).
Low Risk Liabilities: 99% of PFSB's liabilities are made up of primarily low risk sources of funding.
Loan Level: PFSB has an appropriate level of Loans to Assets ratio (48%).
Low Risk Deposits: PFSB's Loans to Deposits ratio (60%) is appropriate.
Level of Bad Loans: PFSB has an appropriate level of bad loans (0.4%).