Southern California Bancorp Asset Resilience Ratio
Southern California Bancorp asset resilience ratio. Southern California Bancorp (BCAL) has an Asset Resilience Ratio of 7.67% 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 how many days can Southern California Bancorp fund operations to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of Southern California Bancorp (2005–2025)
Asset resilience ratio of Southern California Bancorp from 2005 to 2025. This chart shows how Southern California Bancorp's Asset Resilience Ratio has changed over time. Read Southern California Bancorp (BCAL) financial obligations for a breakdown of total debt and financial obligations.
Liquid Assets Composition Over Time
This chart breaks down Southern California Bancorp'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 Southern California Bancorp balance sheet assets.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $308.79 Million | 7.67% |
| Total Liquid Assets | $308.79 Million | 7.67% |
Asset Resilience Insights
- Limited Liquidity: Southern California Bancorp maintains only 7.67% 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 Industry Peers by Asset Resilience Ratio
Compare Southern California Bancorp's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Societe Generale S.A.
PA:GLE |
Banks - Regional | 11.25% |
|
Itau Unibanco Banco Holding SA
NYSE:ITUB |
Banks - Regional | 3.55% |
|
Spar Nord Bank
CO:SPNO |
Banks - Regional | -3.96% |
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank Ina Perdana PT
JK:BINA |
Banks - Regional | -30.89% |
|
Bank Rakyat Indonesia Agroniaga
JK:AGRO |
Banks - Regional | 8.38% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
Southern California Bancorp Asset Resilience Ratio by Year (2005–2025)
Southern California Bancorp asset resilience ratio by year from 2005 to 2025. The table below shows the annual Asset Resilience Ratio data for Southern California Bancorp.
| 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 | -- |
About Southern California Bancorp
California BanCorp operates as the bank holding company for California Bank of Commerce, N.A. that provides various financial products to individuals, professionals, and small- to medium-sized businesses in California, the United States. The company offers checking, savings, and money market accounts; and certificates of deposit. It also provides business loans, including construction and land de… Read more