Arrow Financial Corporation - Asset Resilience Ratio
Arrow Financial Corporation (AROW) has an Asset Resilience Ratio of 12.49% 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. Check AROW strategic asset allocation to assess the company's strategic physical and investment asset allocation.
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. See Arrow Financial Corporation balance sheet independence to measure how much of total assets are equity-financed.
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. For market capitalisation and broader financial context, see AROW stock market capitalisation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $564.96 Million | 12.49% |
| Total Liquid Assets | $564.96 Million | 12.49% |
Asset Resilience Insights
- Moderate Liquidity: Arrow Financial Corporation has 12.49% 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 |
|---|---|---|
|
BNP Paribas SA
PA:BNP |
Banks - Regional | 17.67% |
|
CIMB Group Holdings Bhd
KLSE:1023 |
Banks - Regional | 1.96% |
|
Hua Xia Bank Co Ltd
SHG:600015 |
Banks - Regional | 4.86% |
|
Grupo Security
SN:SECURITY |
Banks - Regional | 0.15% |
|
Bank Mestika Dharma Tbk
JK:BBMD |
Banks - Regional | -6.51% |
|
Bank Multiarta Sentosa PT
JK:MASB |
Banks - Regional | 1.29% |
|
Bank Ochrony Środowiska SA
WAR:BOS |
Banks - Regional | 8.84% |
|
Bank Capital Indonesia Tbk
JK:BACA |
Banks - Regional | -22.83% |
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