VWF Bancorp Balance Sheet Health
Financial Health criteria checks 6/6
VWF Bancorp has total assets of $244.2M and total equity of $37.9M. Total deposits are $162.9M, and total loans are $99.7M. It earns a Net Interest Margin of 2.9%. It has sufficient allowance for bad loans, which are currently at 0.5% of total loans. Cash and short-term investments are $6.2M.
Key information
6.4x
Asset to equity ratio
2.9%
Net interest margin
Total deposits | US$162.87m |
Loan to deposit ratio | Appropriate |
Bad loans | 0.5% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | US$6.18m |
Recent financial health updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: VWFB's Assets to Equity ratio (6.4x) is low.
Allowance for Bad Loans: VWFB has a sufficient allowance for bad loans (100%).
Low Risk Liabilities: 79% of VWFB's liabilities are made up of primarily low risk sources of funding.
Loan Level: VWFB has an appropriate level of Loans to Assets ratio (41%).
Low Risk Deposits: VWFB's Loans to Deposits ratio (61%) is appropriate.
Level of Bad Loans: VWFB has an appropriate level of bad loans (0.5%).