What does line of credit remaining borrowing capacity mean?

This metric quantifies the unused portion of credit facilities available to the bank at the end of the reporting period. It serves as a vital indicator of the bank's immediate liquidity buffer and financial flexibility to meet unexpected funding requirements. A higher remaining capacity enhances the bank's ability to navigate periods of market stress or capitalize on lending opportunities.

Magyar Bancorp MGYR Line of Credit Remaining Borrowing Capacity

Line of Credit Remaining Borrowing Capacity at other companies

Pathfinder BancorpPBHC

$13.5M—

Columbia Financial, Inc.CLBK

——

Other financials

Income statement

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Revenue$7.2M-4.2%

Net income$3.0M+13.0%

EPS (diluted)$0.48+11.6%

Balance sheet

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Cash & equivalents$47.6M-34.7%

Total debt$50.9M+50.1%

Total equity$124.2M+8.6%

Total assets$1.1B+4.6%

Cash flow

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Operating cash flow$3.2M+35.8%

CapEx$329.0K+223%

Free cash flow$2.9M+27.4%

Valuation

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Market cap$112.77M+5.2%

Enterprise value$116.04M-14.8%

P/E10.1×-0.9×

P/S3.7×+0.1×

Profitability

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Net margin24.4%-1.6pp

FCF margin27.6%-2.9pp

Returns & leverage

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Return on equity9.4%+1.3pp

Debt / equity0.4×+0.1×

Where this comes from

Reported directly by Magyar Bancorp in its filing.

Tagged under the XBRL concept us-gaap:LineOfCreditFacilityRemainingBorrowingCapacity.

The official record: Magyar Bancorp’s 10-K, filed December 19, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is Magyar Bancorp's line of credit remaining borrowing capacity?: Magyar Bancorp (MGYR) reported line of credit remaining borrowing capacity of $135.9M in Q3 2025.
What does line of credit remaining borrowing capacity mean?: This metric quantifies the unused portion of credit facilities available to the bank at the end of the reporting period. It serves as a vital indicator of the bank's immediate liquidity buffer and financial flexibility to meet unexpected funding requirements. A higher remaining capacity enhances the bank's ability to navigate periods of market stress or capitalize on lending opportunities.