Southeastern Banking Balance Sheet Health
Financial Health criteria checks 6/6
Southeastern Banking has total assets of $592.5M and total equity of $78.3M. Total deposits are $505.5M, and total loans are $377.3M. It earns a Net Interest Margin of 4.4%. It has sufficient allowance for bad loans, which are currently at 0.3% of total loans. Cash and short-term investments are $37.7M.
Key information
7.6x
Asset to equity ratio
4.4%
Net interest margin
| Total deposits | US$505.46m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.3% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$37.70m |
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 (7.6x) is low.
Allowance for Bad Loans: SEBC has a sufficient allowance for bad loans (719%).
Low Risk Liabilities: 98% 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 (64%).
Low Risk Deposits: SEBC's Loans to Deposits ratio (75%) is appropriate.
Level of Bad Loans: SEBC has an appropriate level of bad loans (0.3%).