Seneca Financial Balance Sheet Health
Financial Health criteria checks 6/6
Seneca Financial has total assets of $268.7M and total equity of $23.8M. Total deposits are $202.7M, and total loans are $202.5M. It earns a Net Interest Margin of 3.3%. It has sufficient allowance for bad loans, which are currently at 0.1% of total loans. Cash and short-term investments are $7.1M.
Key information
11.3x
Asset to equity ratio
3.3%
Net interest margin
| Total deposits | US$202.70m |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.1% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$7.15m |
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: SNNF's Assets to Equity ratio (11.3x) is moderate.
Allowance for Bad Loans: SNNF has a sufficient allowance for bad loans (752%).
Low Risk Liabilities: 83% of SNNF's liabilities are made up of primarily low risk sources of funding.
Loan Level: SNNF has an appropriate level of Loans to Assets ratio (75%).
Low Risk Deposits: SNNF's Loans to Deposits ratio (100%) is appropriate.
Level of Bad Loans: SNNF has an appropriate level of bad loans (0.1%).