ACNB Corporation - Asset Resilience Ratio
ACNB Corporation (ACNB) has an Asset Resilience Ratio of 14.22% 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. Read debt load of ACNB Corporation for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (1998–2024)
This chart shows how ACNB Corporation's Asset Resilience Ratio has changed over time. See ACNB Corporation net assets for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down ACNB Corporation's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see ACNB Corporation (ACNB) total market value.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $462.22 Million | 14.22% |
| Total Liquid Assets | $462.22 Million | 14.22% |
Asset Resilience Insights
- Moderate Liquidity: ACNB Corporation has 14.22% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- The company has significant short-term investments, indicating active treasury management.
ACNB Corporation Industry Peers by Asset Resilience Ratio
Compare ACNB Corporation's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Bank of Ayudhya PCL
BK:BAY |
Banks - Regional | 4.13% |
|
First Merchants Corporation Depository Shares
NASDAQ:FRMEP |
Banks - Regional | 7.40% |
|
Banco Santander (Brasil) S.A.
SA:SANB3 |
Banks - Regional | 5.81% |
|
Capitol Federal Financial Inc
NASDAQ:CFFN |
Banks - Regional | 8.49% |
|
CB Financial Services Inc
NASDAQ:CBFV |
Banks - Regional | 17.58% |
|
KB Financial Group Inc
F:KBIA |
Banks - Regional | 12.09% |
|
Absa Group Ltd
JSE:ABG |
Banks - Regional | -3.45% |
|
International Bancshares Corporation
NASDAQ:IBOC |
Banks - Regional | 29.29% |
Annual Asset Resilience Ratio for ACNB Corporation (1998–2024)
The table below shows the annual Asset Resilience Ratio data for ACNB Corporation.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 0.73% | $17.59 Million | $2.39 Billion | -17.94pp |
| 2023-12-31 | 18.67% | $451.69 Million | $2.42 Billion | -3.24pp |
| 2022-12-31 | 21.92% | $553.55 Million | $2.53 Billion | +6.23pp |
| 2021-12-31 | 15.68% | $437.10 Million | $2.79 Billion | +2.47pp |
| 2020-12-31 | 13.22% | $337.72 Million | $2.56 Billion | +2.12pp |
| 2019-12-31 | 11.09% | $190.84 Million | $1.72 Billion | +1.28pp |
| 2018-12-31 | 9.82% | $161.73 Million | $1.65 Billion | -0.15pp |
| 2017-12-31 | 9.97% | $159.05 Million | $1.60 Billion | -1.88pp |
| 2016-12-31 | 11.85% | $142.99 Million | $1.21 Billion | +0.90pp |
| 2015-12-31 | 10.95% | $125.69 Million | $1.15 Billion | +0.12pp |
| 2014-12-31 | 10.83% | $118.00 Million | $1.09 Billion | -1.60pp |
| 2013-12-31 | 12.43% | $129.98 Million | $1.05 Billion | -3.36pp |
| 2012-12-31 | 15.79% | $165.79 Million | $1.05 Billion | -5.03pp |
| 2011-12-31 | 20.82% | $209.23 Million | $1.00 Billion | +1.13pp |
| 2010-12-31 | 19.69% | $190.73 Million | $968.67 Million | -2.51pp |
| 2009-12-31 | 22.20% | $213.52 Million | $961.90 Million | +23.87pp |
| 2008-12-31 | -1.67% | $-16.29 Million | $976.68 Million | +0.39pp |
| 2007-12-31 | -2.05% | $-19.04 Million | $926.66 Million | +0.05pp |
| 2006-12-31 | -2.11% | $-20.35 Million | $964.76 Million | -0.13pp |
| 2005-12-31 | -1.98% | $-18.73 Million | $945.14 Million | -2.08pp |
| 2004-12-31 | 0.10% | $938.00K | $924.19 Million | -0.02pp |
| 2003-12-31 | 0.12% | $1.03 Million | $872.73 Million | -0.02pp |
| 2002-12-31 | 0.14% | $1.01 Million | $734.64 Million | +0.02pp |
| 2001-12-31 | 0.12% | $740.00K | $630.23 Million | -0.25pp |
| 1999-12-31 | 0.37% | $2.00 Million | $545.95 Million | +0.92pp |
| 1998-12-31 | -0.55% | $-3.00 Million | $544.26 Million | -- |
About ACNB Corporation
ACNB Corporation, a financial holding company, offers banking, insurance, and financial services to individual, business, and government customers in the United States. The company offers checking, savings, and money market deposit accounts, as well as time deposits and debit cards. It also provides commercial lending products, such as commercial mortgages, real estate development and constructio… Read more