Alerus Financial Corp Asset Resilience Ratio

Latest as of June 2026: 9.07%

Alerus Financial Corp asset resilience ratio. Alerus Financial Corp (ALRS) has an Asset Resilience Ratio of 9.07% as of June 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. See Alerus Financial Corp defensive liquidity buffer to measure how many days the company can operate on defensive assets alone.

Liquid Assets

$479.65 Million

Cash + Short-term Investments

Total Assets

$5.29 Billion

All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio of Alerus Financial Corp (2007–2025)

Asset resilience ratio of Alerus Financial Corp from 2007 to 2025. This chart shows how Alerus Financial Corp's Asset Resilience Ratio has changed over time. Read debt load of Alerus Financial Corp for a breakdown of total debt and financial obligations.

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 the complete balance sheet picture, see Alerus Financial Corp assets under control.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$479.65 Million	9.07%
Total Liquid Assets	$479.65 Million	9.07%

Asset Resilience Insights

Limited Liquidity: Alerus Financial Corp maintains only 9.07% 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
Societe Generale S.A. PA:GLE	Banks - Regional	11.25%
Itau Unibanco Banco Holding SA NYSE:ITUB	Banks - Regional	3.55%
Spar Nord Bank CO:SPNO	Banks - Regional	-3.96%
Bank of Guiyang Co Ltd SHG:601997	Banks - Regional	-0.78%
Qingdao Rural Commercial Bank Corp Class A SHE:002958	Banks - Regional	-13.48%
Bank Ina Perdana PT JK:BINA	Banks - Regional	-30.89%
Bank Rakyat Indonesia Agroniaga JK:AGRO	Banks - Regional	8.38%
Bank Agris Tbk JK:AGRS	Banks - Regional	1.98%

Alerus Financial Corp Asset Resilience Ratio by Year (2007–2025)

Alerus Financial Corp asset resilience ratio by year from 2007 to 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	--

pp = percentage points

About Alerus Financial Corp

NASDAQ:ALRS USA Banks - Regional

Market Cap

$868.23 Million

Market Cap Rank

#9427 Global

#2632 in USA

Share Price

$34.83

Change (1 day)

+1.40%

52-Week Range

$21.01 - $34.83

All Time High

$34.83