Bank Analysis School Case Study eBook

Sunny State Bank

LIQUIDITY - KEY RATIOS

Core Deposits to Total Assets (UBPR)

Net Loans to Deposits (UBPR)

86%

55% 60% 65% 70% 75% 80% 85% 90%

85%

84%

83%

83%

84%

83%

84%

82%

82%

82%

82%

82%

83%

82%

82%

82%

81%

80%

80%

80%

68%

81%

80%

79%

65%

65%

64%

64%

64%

64%

79%

79%

79%

63%

61%

78%

65%

65%

65%

65%

60% 60%

65%

78%

64% 64%

78%

56%

60% 60%

59%

76%

54%

76%

20X9Q2

20X9Q3

20X9Q4

20X0Q1

20X0Q2

20X0Q3

20X0Q4

20X1Q1

20X1Q2

20X1Q3

20X1Q4

20X2Q1

20X2Q2

20X2Q3

20X2Q4

20X3Q1

20X3Q2

20X3Q3

20X3Q4

20X4Q1

20X4Q2

20X4Q3

20X4Q4

20X5Q1

20X5Q2

20X5Q3

20X5Q4

20X9Q2

20X9Q3

20X9Q4

20X0Q1

20X0Q2

20X0Q3

20X0Q4

20X1Q1

20X1Q2

20X1Q3

20X1Q4

20X2Q1

20X2Q2

20X2Q3

20X2Q4

20X3Q1

20X3Q2

20X3Q3

20X3Q4

20X4Q1

20X4Q2

20X4Q3

20X4Q4

20X5Q1

20X5Q2

20X5Q3

20X5Q4

Core Deposits Excluding Listing Service to Total Assets

Net Loans to Core Deposits Excluding Listing Service

86%

55% 60% 65% 70% 75% 80% 85% 90% 95%

85%

84%

83%

84%

83%

84%

83%

82%

82%

82%

82%

82%

82%

82%

81%

82%

81% 81%

80%

80%

80%

80%

69%

79%

67%

66%

66%

66%

66%

66%

79%

79%

79%

65%

64%

78%

62%

78%

62%

61%

66%

66%

66%

66%

65%

65%

65%

78%

58%

63%

62%

62%

56%

76%

76%

54% 55%

20X9Q2

20X9Q3

20X9Q4

20X0Q1

20X0Q2

20X0Q3

20X0Q4

20X1Q1

20X1Q2

20X1Q3

20X1Q4

20X2Q1

20X2Q2

20X2Q3

20X2Q4

20X3Q1

20X3Q2

20X3Q3

20X3Q4

20X4Q1

20X4Q2

20X4Q3

20X4Q4

20X5Q1

20X5Q2

20X5Q3

20X5Q4

20X9Q2

20X9Q3

20X9Q4

20X0Q1

20X0Q2

20X0Q3

20X0Q4

20X1Q1

20X1Q2

20X1Q3

20X1Q4

20X2Q1

20X2Q2

20X2Q3

20X2Q4

20X3Q1

20X3Q2

20X3Q3

20X3Q4

20X4Q1

20X4Q2

20X4Q3

20X4Q4

20X5Q1

20X5Q2

20X5Q3

20X5Q4

• The Core Deposits to Total Assets ratio provides insight into a bank's reliance on stable, low-cost funding sources. A higher ratio indicates a stronger liquidity position, as it refects a greater proportion of assets being funded by core deposits. Refning this measurement to exclude listing service deposits provides a clearer view of the bank's reliance on truly core, stable deposits. Th L t D it R ti i ti l f b k’ li idit d l f di t t A hi h ti t th t th b k i tili i i if t ti f it d it ■ Bank ■ State ■ All Banks