SouthPoint Bancshares Balance Sheet Health
Financial Health criteria checks 6/6
SouthPoint Bancshares has total assets of $1.4B and total equity of $86.4M. Total deposits are $912.0M, and total loans are $1.1B.
Key information
15.8x
Asset to equity ratio
n/a
Net interest margin
Total deposits | US$912.01m |
Loan to deposit ratio | Appropriate |
Bad loans | 0.04% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$123.48m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: SOUB's Assets to Equity ratio (15.8x) is moderate.
Allowance for Bad Loans: SOUB has a sufficient allowance for bad loans (2873%).
Low Risk Liabilities: 71% of SOUB's liabilities are made up of primarily low risk sources of funding.
Loan Level: SOUB has an appropriate level of Loans to Assets ratio (83%).
Low Risk Deposits: SOUB's Loans to Deposits ratio (125%) is appropriate.
Level of Bad Loans: SOUB has an appropriate level of bad loans (0%).