Merchants Bancorp Balance Sheet Health
Financial Health criteria checks 4/6
Merchants Bancorp has total assets of $18.7B and total equity of $1.9B. Total deposits are $12.9B, and total loans are $10.3B earning a Net Interest Margin of 3.1%. It has insufficient allowance for bad loans, which are currently at 2% of total loans. Cash and short-term investments are $1.0B.
Key information
9.6x
Asset to equity ratio
3.1%
Net interest margin
| Total deposits | US$12.89b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 2.0% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | US$1.02b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: MBIN.L's Assets to Equity ratio (9.6x) is low.
Allowance for Bad Loans: MBIN.L has a low allowance for bad loans (40%).
Low Risk Liabilities: 77% of MBIN.L's liabilities are made up of primarily low risk sources of funding.
Loan Level: MBIN.L has an appropriate level of Loans to Assets ratio (55%).
Low Risk Deposits: MBIN.L's Loans to Deposits ratio (80%) is appropriate.
Level of Bad Loans: MBIN.L has a high level of bad loans (2%).