Alerus Financial Corp - Asset Resilience Ratio
Alerus Financial Corp (ALRS) has an Asset Resilience Ratio of 9.09% 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 (2007–2025)
This chart shows how Alerus Financial Corp's Asset Resilience Ratio has changed over time. Check Alerus Financial Corp (ALRS) strategic investment index to assess the company's strategic physical and investment asset allocation.
Liquid Assets Composition Over Time
This chart breaks down Alerus Financial Corp'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 ALRS market cap overview.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $480.63 Million | 9.09% |
| Total Liquid Assets | $480.63 Million | 9.09% |
Asset Resilience Insights
- Limited Liquidity: Alerus Financial Corp maintains only 9.09% 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.
Alerus Financial Corp Industry Peers by Asset Resilience Ratio
Compare Alerus Financial Corp'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 Alerus Financial Corp (2007–2025)
The table below shows the annual Asset Resilience Ratio data for Alerus Financial Corp.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 0.03% | $1.76 Million | $5.23 Billion | -11.21pp |
| 2024-12-31 | 11.24% | $591.36 Million | $5.26 Billion | -1.22pp |
| 2023-12-31 | 12.46% | $486.74 Million | $3.91 Billion | -6.52pp |
| 2022-12-31 | 18.98% | $717.32 Million | $3.78 Billion | -6.18pp |
| 2021-12-31 | 25.16% | $853.65 Million | $3.39 Billion | +5.51pp |
| 2020-12-31 | 19.65% | $592.34 Million | $3.01 Billion | +6.49pp |
| 2019-12-31 | 13.17% | $310.35 Million | $2.36 Billion | +1.69pp |
| 2018-12-31 | 11.48% | $250.17 Million | $2.18 Billion | -1.01pp |
| 2017-12-31 | 12.49% | $267.02 Million | $2.14 Billion | -1.01pp |
| 2016-12-31 | 13.51% | $276.95 Million | $2.05 Billion | +2.59pp |
| 2015-12-31 | 10.91% | $190.40 Million | $1.74 Billion | -2.81pp |
| 2014-12-31 | 13.72% | $204.14 Million | $1.49 Billion | +13.72pp |
| 2007-12-31 | 0.00% | $3.00K | $707.62 Million | -- |
About Alerus Financial Corp
Alerus Financial Corporation operates as the bank holding company for Alerus Financial, National Association that provides various financial services to businesses and consumers in the United States. The company operates in three segments: Banking, Retirement and Benefit Services, and Wealth. It offers demand deposits, interest-bearing transaction accounts, money market accounts, time and savings… Read more