Southern California Bancorp Common Stock - Asset Resilience Ratio

Latest as of March 2026: 7.38%

Southern California Bancorp Common Stock (BCAL) has an Asset Resilience Ratio of 7.38% 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 Southern California Bancorp Common Stock strategic asset allocation index to assess the company's strategic physical and investment asset allocation.

Liquid Assets

$298.62 Million

Cash + Short-term Investments

Total Assets

$4.05 Billion

All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2005–2025)

This chart shows how Southern California Bancorp Common Stock's Asset Resilience Ratio has changed over time. See BCAL equity to assets ratio to measure how much of total assets are equity-financed.

Liquid Assets Composition Over Time

This chart breaks down Southern California Bancorp Common Stock'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 Southern California Bancorp Common Stock (BCAL) total market value.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$298.62 Million	7.38%
Total Liquid Assets	$298.62 Million	7.38%

Asset Resilience Insights

Limited Liquidity: Southern California Bancorp Common Stock maintains only 7.38% 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.

Southern California Bancorp Common Stock Industry Peers by Asset Resilience Ratio

Compare Southern California Bancorp Common Stock's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Standard Bank Group Ltd JSE:SBK	Banks - Regional	-9.21%
Grupo Financiero Inbursa S.A.B. de C.V MX:GFINBURO	Banks - Regional	2.07%
Hua Xia Bank Co Ltd SHG:600015	Banks - Regional	4.86%
International Bancshares Corporation NASDAQ:IBOC	Banks - Regional	28.98%
Judo Capital Holdings Ltd AU:JDO	Banks - Regional	10.76%
TF Bank AB ST:TFBANK	Banks - Regional	-0.15%
Bank Tabungan Negara Persero JK:BBTN	Banks - Regional	-3.50%
Mystate Ltd AU:MYS	Banks - Regional	8.81%

Annual Asset Resilience Ratio for Southern California Bancorp Common Stock (2005–2025)

The table below shows the annual Asset Resilience Ratio data for Southern California Bancorp Common Stock.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	5.82%	$234.89 Million	$4.03 Billion	+2.30pp
2024-12-31	3.52%	$142.00 Million	$4.03 Billion	-1.99pp
2023-12-31	5.51%	$130.03 Million	$2.36 Billion	+0.58pp
2022-12-31	4.93%	$112.58 Million	$2.28 Billion	+2.48pp
2021-12-31	2.45%	$55.57 Million	$2.27 Billion	+0.89pp
2020-12-31	1.56%	$24.70 Million	$1.58 Billion	-0.40pp
2019-12-31	1.96%	$16.34 Million	$833.29 Million	--
2018-12-31	0.00%	$0.00	$769.01 Million	--
2017-12-31	0.00%	$0.00	$480.26 Million	--
2016-12-31	0.00%	$0.00	$425.05 Million	--
2015-12-31	0.00%	$0.00	$344.33 Million	--
2014-12-31	0.00%	$0.00	$318.27 Million	--
2006-12-31	0.00%	$482.00	$65.16 Million	-0.20pp
2005-12-31	0.20%	$97.90K	$48.74 Million	--

pp = percentage points

About Southern California Bancorp Common Stock

NASDAQ:BCAL USA Banks - Regional

Market Cap

$634.93 Million

Market Cap Rank

#11207 Global

#2840 in USA

Share Price

$19.74

Change (1 day)

+1.23%

52-Week Range

$14.53 - $20.13

All Time High

$20.13