AmeriServ Financial Inc - Asset Resilience Ratio
AmeriServ Financial Inc (ASRV) has an Asset Resilience Ratio of 0.69% 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 AmeriServ Financial Inc PP&E and investment ratio to assess the company's strategic physical and investment asset allocation.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how AmeriServ Financial Inc's Asset Resilience Ratio has changed over time. See debt-free asset ratio of AmeriServ Financial Inc to measure how much of total assets are equity-financed.
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 market capitalisation and broader financial context, see AmeriServ Financial Inc market capitalisation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $10.13 Million | 0.69% |
| Total Liquid Assets | $10.13 Million | 0.69% |
Asset Resilience Insights
- Limited Liquidity: AmeriServ Financial Inc maintains only 0.69% 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 |
|---|---|---|
|
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 AmeriServ Financial Inc (2000–2025)
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