Southeastern Banking Balance Sheet Health
Financial Health criteria checks 6/6
Southeastern Banking has total assets of $617.4M and total equity of $69.8M. Total deposits are $544.5M, and total loans are $340.8M. It earns a Net Interest Margin of 4.4%. It has sufficient allowance for bad loans, which are currently at 0.6% of total loans. Cash and short-term investments are $69.8M.
Key information
8.8x
Asset to equity ratio
4.4%
Net interest margin
Total deposits | US$544.51m |
Loan to deposit ratio | Appropriate |
Bad loans | 0.6% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$69.82m |
Recent financial health updates
No updates
Recent updates
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Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: SEBC's Assets to Equity ratio (8.8x) is low.
Allowance for Bad Loans: SEBC has a sufficient allowance for bad loans (364%).
Low Risk Liabilities: 99% of SEBC's liabilities are made up of primarily low risk sources of funding.
Loan Level: SEBC has an appropriate level of Loans to Assets ratio (55%).
Low Risk Deposits: SEBC's Loans to Deposits ratio (63%) is appropriate.
Level of Bad Loans: SEBC has an appropriate level of bad loans (0.6%).