Affinity Bancshares Inc - Asset Resilience Ratio
Affinity Bancshares Inc (AFBI) has an Asset Resilience Ratio of 4.03% as of March 2026. 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.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2019–2025)
This chart shows how Affinity Bancshares Inc's Asset Resilience Ratio has changed over time. Check AFBI capital-intensive asset ratio to assess the company's strategic physical and investment asset allocation.
Liquid Assets Composition Over Time
This chart breaks down Affinity Bancshares Inc'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 market value of Affinity Bancshares Inc.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $37.29 Million | 4.03% |
| Total Liquid Assets | $37.29 Million | 4.03% |
Asset Resilience Insights
- Limited Liquidity: Affinity Bancshares Inc maintains only 4.03% 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.
Affinity Bancshares Inc Industry Peers by Asset Resilience Ratio
Compare Affinity Bancshares Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Deutsche Bank Aktiengesellschaft
F:DBK |
Banks - Regional | 3.17% |
|
Regions Financial Corporation
NYSE:RF |
Banks - Regional | 17.06% |
|
Bank of Hangzhou Co Ltd
SHG:600926 |
Banks - Regional | 7.20% |
|
Banco Santander Chile
SN:BSANTANDER |
Banks - Regional | 6.33% |
|
Grupo Financiero Inbursa S.A.B. de C.V
MX:GFINBURO |
Banks - Regional | 2.07% |
|
Synovus Financial Corp
NYSE:SNV |
Banks - Regional | 4.05% |
|
Bank of Queensland Ltd
AU:BOQ |
Banks - Regional | 0.21% |
|
Regional S.A.B. de C.V
MX:RA |
Banks - Regional | 0.00% |
Annual Asset Resilience Ratio for Affinity Bancshares Inc (2019–2025)
The table below shows the annual Asset Resilience Ratio data for Affinity Bancshares Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 1.95% | $17.19 Million | $881.70 Million | -2.26pp |
| 2024-12-31 | 4.21% | $36.50 Million | $866.82 Million | -1.55pp |
| 2023-12-31 | 5.76% | $48.56 Million | $843.26 Million | -0.08pp |
| 2022-12-31 | 5.84% | $46.20 Million | $791.28 Million | -0.32pp |
| 2021-12-31 | 6.16% | $48.56 Million | $788.09 Million | +3.34pp |
| 2020-12-31 | 2.82% | $24.00 Million | $850.63 Million | +1.63pp |
| 2019-12-31 | 1.20% | $3.82 Million | $319.29 Million | -- |
About Affinity Bancshares Inc
Affinity Bancshares, Inc. operates as the holding company for Affinity Bank, National Association that provides various banking products and services in the United States. The company offers deposit products, including savings accounts, checking accounts, certificates of deposit, and individual retirement accounts, as well as Kasasa (rewards) deposit program for checking accounts with interest ra… Read more