Arrow Financial Corporation - Asset Resilience Ratio
Arrow Financial Corporation (AROW) has an Asset Resilience Ratio of 12.30% 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 AROW current assets to equity ratio to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2001–2025)
This chart shows how Arrow Financial Corporation's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see Arrow Financial Corporation balance sheet assets.
Liquid Assets Composition Over Time
This chart breaks down Arrow Financial Corporation's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore Arrow Financial Corporation strategic 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 | $551.52 Million | 12.3% |
| Total Liquid Assets | $551.52 Million | 12.30% |
Asset Resilience Insights
- Moderate Liquidity: Arrow Financial Corporation has 12.30% 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.
Arrow Financial Corporation Industry Peers by Asset Resilience Ratio
Compare Arrow Financial Corporation'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 Arrow Financial Corporation (2001–2025)
The table below shows the annual Asset Resilience Ratio data for Arrow Financial Corporation.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 12.20% | $542.19 Million | $4.45 Billion | +1.44pp |
| 2024-12-31 | 10.75% | $463.11 Million | $4.31 Billion | -1.18pp |
| 2023-12-31 | 11.94% | $497.77 Million | $4.17 Billion | -2.51pp |
| 2022-12-31 | 14.45% | $573.50 Million | $3.97 Billion | +0.56pp |
| 2021-12-31 | 13.89% | $559.32 Million | $4.03 Billion | +3.98pp |
| 2020-12-31 | 9.90% | $365.29 Million | $3.69 Billion | -1.32pp |
| 2019-12-31 | 11.22% | $357.33 Million | $3.18 Billion | +0.60pp |
| 2018-12-31 | 10.63% | $317.54 Million | $2.99 Billion | -0.25pp |
| 2017-12-31 | 10.87% | $300.20 Million | $2.76 Billion | -2.44pp |
| 2016-12-31 | 13.32% | $347.00 Million | $2.61 Billion | -3.13pp |
| 2015-12-31 | 16.45% | $402.31 Million | $2.45 Billion | -0.07pp |
| 2014-12-31 | 16.51% | $366.14 Million | $2.22 Billion | -4.64pp |
| 2013-12-31 | 21.15% | $457.61 Million | $2.16 Billion | -2.52pp |
| 2012-12-31 | 23.67% | $478.70 Million | $2.02 Billion | -4.69pp |
| 2011-12-31 | 28.36% | $556.54 Million | $1.96 Billion | +28.09pp |
| 2010-12-31 | 0.27% | $5.12 Million | $1.91 Billion | -0.97pp |
| 2009-12-31 | 1.23% | $22.73 Million | $1.84 Billion | -18.29pp |
| 2008-12-31 | 19.52% | $325.09 Million | $1.67 Billion | +18.51pp |
| 2007-12-31 | 1.01% | $16.00 Million | $1.58 Billion | +0.42pp |
| 2006-12-31 | 0.59% | $9.00 Million | $1.52 Billion | -20.88pp |
| 2005-12-31 | 21.48% | $326.36 Million | $1.52 Billion | +20.97pp |
| 2004-12-31 | 0.51% | $7.00 Million | $1.38 Billion | +0.09pp |
| 2003-12-31 | 0.42% | $5.80 Million | $1.37 Billion | +0.19pp |
| 2002-12-31 | 0.24% | $3.00 Million | $1.27 Billion | -0.98pp |
| 2001-12-31 | 1.22% | $14.00 Million | $1.15 Billion | -- |
About Arrow Financial Corporation
Arrow Financial Corporation, a bank holding company, provides various commercial and consumer banking, and financial products and services in the United States. The company's deposit products include demand deposits, interest-bearing checking accounts, savings deposits, time deposits, and other time deposits. Its lending activities comprise commercial loans, such as term loans, time notes, and li… Read more