Pacific Valley Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
Pacific Valley Bancorp has total assets of $523.0M and total equity of $52.7M. Total deposits are $450.1M, and total loans are $441.8M. It earns a Net Interest Margin of 3.6%. It has sufficient allowance for bad loans, which are currently at 0.05% of total loans. Cash and short-term investments are $38.6M.
Key information
9.9x
Asset to equity ratio
3.6%
Net interest margin
Total deposits | US$450.09m |
Loan to deposit ratio | Appropriate |
Bad loans | 0.05% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$38.60m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: PVBK's Assets to Equity ratio (9.9x) is low.
Allowance for Bad Loans: PVBK has a sufficient allowance for bad loans (3266%).
Low Risk Liabilities: 96% of PVBK's liabilities are made up of primarily low risk sources of funding.
Loan Level: PVBK has an appropriate level of Loans to Assets ratio (84%).
Low Risk Deposits: PVBK's Loans to Deposits ratio (98%) is appropriate.
Level of Bad Loans: PVBK has an appropriate level of bad loans (0%).