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 BCAL working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2005–2025)
This chart shows how Southern California Bancorp's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see BCAL asset base.
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. Explore BCAL long-term investment intensity to see how much of total assets are deployed in long-term investments.
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 |
|---|---|---|
|
Mizuho Financial Group Inc.
NYSE:MFG |
Banks - Regional | 10.16% |
|
Bank of Hangzhou Co Ltd
SHG:600926 |
Banks - Regional | 7.20% |
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
Bank Tabungan Negara Persero
JK:BBTN |
Banks - Regional | -3.50% |
|
VersaBank
TO:VBNK |
Banks - Regional | 1.95% |
|
BCB Bancorp Inc
NASDAQ:BCBP |
Banks - Regional | 3.85% |
|
Spar Nord Bank
CO:SPNO |
Banks - Regional | -3.96% |
|
Ca Toulouse 31 CCI
PA:CAT31 |
Banks - Regional | -0.24% |
Annual Asset Resilience Ratio for Southern California Bancorp (2005–2025)
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