Ameris Bancorp - Asset Resilience Ratio
Ameris Bancorp (ABCB) has an Asset Resilience Ratio of 7.87% as of September 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See Ameris Bancorp working capital to net assets to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2024)
This chart shows how Ameris Bancorp's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see ABCB total assets.
Liquid Assets Composition Over Time
This chart breaks down Ameris Bancorp's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore ABCB long-term asset investment ratio to see how much of total assets are deployed in long-term investments.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $2.13 Billion | 7.87% |
| Total Liquid Assets | $2.13 Billion | 7.87% |
Asset Resilience Insights
- Limited Liquidity: Ameris Bancorp maintains only 7.87% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Ameris Bancorp Industry Peers by Asset Resilience Ratio
Compare Ameris Bancorp's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Santander Bank Polska S.A.
WAR:SPL |
Banks - Regional | 4.41% |
|
Banco Santander Chile
NYSE:BSAC |
Banks - Regional | 7.94% |
|
Bank of Baroda
NSE:BANKBARODA |
Banks - Regional | -12.63% |
|
Turkiye Is Bankasi AS Class C
IS:ISCTR |
Banks - Regional | -38.78% |
|
Ringkjoebing Landbobank A/S
CO:RILBA |
Banks - Regional | 0.03% |
|
ABSA Bank Limited
JSE:ABSP |
Banks - Regional | 2.72% |
|
Mechanics Bank
NASDAQ:MCHB |
Banks - Regional | 18.39% |
|
Laurentian Bank Of Canada
TO:LB |
Banks - Regional | 0.55% |
Annual Asset Resilience Ratio for Ameris Bancorp (2000–2024)
The table below shows the annual Asset Resilience Ratio data for Ameris Bancorp.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 6.36% | $1.67 Billion | $26.26 Billion | +0.80pp |
| 2023-12-31 | 5.57% | $1.40 Billion | $25.20 Billion | -0.42pp |
| 2022-12-31 | 5.99% | $1.50 Billion | $25.05 Billion | +3.50pp |
| 2021-12-31 | 2.48% | $592.62 Million | $23.86 Billion | -2.33pp |
| 2020-12-31 | 4.81% | $982.88 Million | $20.44 Billion | -2.88pp |
| 2019-12-31 | 7.69% | $1.40 Billion | $18.24 Billion | -2.73pp |
| 2018-12-31 | 10.42% | $1.19 Billion | $11.44 Billion | +0.10pp |
| 2017-12-31 | 10.32% | $810.87 Million | $7.86 Billion | -1.62pp |
| 2016-12-31 | 11.94% | $822.74 Million | $6.89 Billion | -2.08pp |
| 2015-12-31 | 14.01% | $783.18 Million | $5.59 Billion | +0.59pp |
| 2014-12-31 | 13.42% | $541.80 Million | $4.04 Billion | +0.16pp |
| 2013-12-31 | 13.26% | $486.24 Million | $3.67 Billion | +1.77pp |
| 2012-12-31 | 11.49% | $346.91 Million | $3.02 Billion | +0.14pp |
| 2011-12-31 | 11.35% | $339.97 Million | $2.99 Billion | +10.94pp |
| 2010-12-31 | 0.42% | $12.44 Million | $2.97 Billion | +0.12pp |
| 2009-12-31 | 0.30% | $7.26 Million | $2.42 Billion | -0.06pp |
| 2008-12-31 | 0.36% | $8.63 Million | $2.41 Billion | -12.30pp |
| 2007-12-31 | 12.66% | $267.34 Million | $2.11 Billion | -0.40pp |
| 2006-12-31 | 13.06% | $267.34 Million | $2.05 Billion | +8.88pp |
| 2005-12-31 | 4.17% | $70.85 Million | $1.70 Billion | -1.32pp |
| 2004-12-31 | 5.49% | $69.62 Million | $1.27 Billion | +2.44pp |
| 2003-12-31 | 3.05% | $35.63 Million | $1.17 Billion | -3.49pp |
| 2002-12-31 | 6.54% | $77.98 Million | $1.19 Billion | -2.49pp |
| 2001-12-31 | 9.03% | $106.22 Million | $1.18 Billion | +8.43pp |
| 2000-12-31 | 0.60% | $4.95 Million | $826.20 Million | -- |
About Ameris Bancorp
Ameris Bancorp operates as the bank holding company for Ameris Bank that provides range of banking services to retail and commercial customers. It operates through four segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, and Premium Finance Division. The company offers commercial and retail checking, regular interest-bearing savings, money market, individual retireme… Read more