AmeriServ Financial Inc Asset Resilience Ratio
AmeriServ Financial Inc asset resilience ratio. AmeriServ Financial Inc (ASRV) has an Asset Resilience Ratio of 0.55% 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 ASRV cash and liquid assets coverage to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of AmeriServ Financial Inc (2000–2025)
Asset resilience ratio of AmeriServ Financial Inc from 2000 to 2025. This chart shows how AmeriServ Financial Inc's Asset Resilience Ratio has changed over time. Read total liabilities of AmeriServ Financial Inc for a breakdown of total debt and financial obligations.
Liquid Assets Composition Over Time
This chart breaks down AmeriServ Financial Inc'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 AmeriServ Financial Inc assets under control.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $8.00 Million | 0.55% |
| Total Liquid Assets | $8.00 Million | 0.55% |
Asset Resilience Insights
- Limited Liquidity: AmeriServ Financial Inc maintains only 0.55% 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.
AmeriServ Financial Inc Industry Peers by Asset Resilience Ratio
Compare AmeriServ Financial Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Commerzbank AG
XETRA:CBK |
Banks - Regional | 5.22% |
|
CIMB Group Holdings Bhd
KLSE:1023 |
Banks - Regional | 1.96% |
|
BNK Banking Corporation Ltd
AU:BBC |
Banks - Regional | 8.96% |
|
Banco Bradesco DRC
BA:BBD |
Banks - Regional | 4.82% |
|
Grupo Financiero Galicia S.A.
BA:GGAL |
Banks - Regional | 8.18% |
|
Banco Macro SA B
BA:BMA |
Banks - Regional | 0.55% |
|
BBVA Banco Frances SA
BA:BBAR |
Banks - Regional | 7.45% |
|
Banco Patagonia
BA:BPAT |
Banks - Regional | 0.44% |
AmeriServ Financial Inc Asset Resilience Ratio by Year (2000–2025)
AmeriServ Financial Inc asset resilience ratio by year from 2000 to 2025. The table below shows the annual Asset Resilience Ratio data for AmeriServ Financial Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 1.24% | $18.10 Million | $1.45 Billion | -9.70pp |
| 2024-12-31 | 10.94% | $155.62 Million | $1.42 Billion | -0.98pp |
| 2023-12-31 | 11.92% | $165.71 Million | $1.39 Billion | -1.24pp |
| 2022-12-31 | 13.16% | $179.51 Million | $1.36 Billion | +0.94pp |
| 2021-12-31 | 12.22% | $163.17 Million | $1.34 Billion | +0.95pp |
| 2020-12-31 | 11.27% | $144.16 Million | $1.28 Billion | -0.84pp |
| 2019-12-31 | 12.10% | $141.75 Million | $1.17 Billion | -0.54pp |
| 2018-12-31 | 12.64% | $146.73 Million | $1.16 Billion | +1.58pp |
| 2017-12-31 | 11.06% | $129.14 Million | $1.17 Billion | +0.05pp |
| 2016-12-31 | 11.01% | $127.08 Million | $1.15 Billion | +0.62pp |
| 2015-12-31 | 10.40% | $119.47 Million | $1.15 Billion | -1.27pp |
| 2014-12-31 | 11.67% | $127.11 Million | $1.09 Billion | -1.78pp |
| 2013-12-31 | 13.44% | $141.98 Million | $1.06 Billion | -1.69pp |
| 2012-12-31 | 15.14% | $151.54 Million | $1.00 Billion | -3.54pp |
| 2011-12-31 | 18.68% | $182.92 Million | $979.08 Million | +18.32pp |
| 2010-12-31 | 0.36% | $3.46 Million | $948.97 Million | -0.02pp |
| 2009-12-31 | 0.39% | $3.77 Million | $970.03 Million | -1.22pp |
| 2008-12-31 | 1.61% | $15.58 Million | $966.93 Million | +1.59pp |
| 2007-12-31 | 0.02% | $197.00K | $904.88 Million | -0.02pp |
| 2006-12-31 | 0.05% | $413.00K | $895.99 Million | +0.02pp |
| 2005-12-31 | 0.02% | $199.00K | $880.18 Million | +0.00pp |
| 2004-12-31 | 0.02% | $199.00K | $1.01 Billion | -47.21pp |
| 2003-12-31 | 47.23% | $542.19 Million | $1.15 Billion | +47.20pp |
| 2002-12-31 | 0.03% | $362.00K | $1.18 Billion | -0.02pp |
| 2001-12-31 | 0.06% | $660.00K | $1.20 Billion | -0.01pp |
| 2000-12-31 | 0.06% | $763.00K | $1.25 Billion | -- |
About AmeriServ Financial Inc
AmeriServ Financial, Inc. operates as the bank holding company for AmeriServ Financial Bank that provides various consumer, mortgage, and commercial financial products in the United States. The company offers retail banking services, including demand, savings, and time deposits; checking and money market accounts; secured and unsecured consumer loans, and mortgage loans; and safe deposit boxes, h… Read more