BankFinancial Corporation Asset Resilience Ratio
BankFinancial Corporation asset resilience ratio. BankFinancial Corporation (BFIN) has an Asset Resilience Ratio of 36.95% as of September 2025. 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 BankFinancial Corporation defensive liquidity buffer to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of BankFinancial Corporation (2003–2024)
Asset resilience ratio of BankFinancial Corporation from 2003 to 2024. This chart shows how BankFinancial Corporation's Asset Resilience Ratio has changed over time. Read debt load of BankFinancial Corporation for a breakdown of total debt and financial obligations.
Liquid Assets Composition Over Time
This chart breaks down BankFinancial Corporation'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 balance sheet size of BankFinancial Corporation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $537.50 Million | 36.95% |
| Total Liquid Assets | $537.50 Million | 36.95% |
Asset Resilience Insights
- Very High Liquidity: BankFinancial Corporation maintains exceptional liquid asset reserves at 36.95% of total assets.
- This level provides strong protection against economic uncertainties but may indicate potential for more aggressive growth investments.
- The company has significant short-term investments, indicating active treasury management.
BankFinancial Corporation Industry Peers by Asset Resilience Ratio
Compare BankFinancial Corporation'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% |
BankFinancial Corporation Asset Resilience Ratio by Year (2003–2024)
BankFinancial Corporation asset resilience ratio by year from 2003 to 2024. The table below shows the annual Asset Resilience Ratio data for BankFinancial Corporation.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 20.62% | $295.83 Million | $1.43 Billion | +10.32pp |
| 2023-12-31 | 10.30% | $153.20 Million | $1.49 Billion | -3.05pp |
| 2022-12-31 | 13.35% | $210.34 Million | $1.58 Billion | +8.31pp |
| 2021-12-31 | 5.04% | $85.69 Million | $1.70 Billion | +3.55pp |
| 2020-12-31 | 1.49% | $23.83 Million | $1.60 Billion | -2.55pp |
| 2019-12-31 | 4.05% | $60.19 Million | $1.49 Billion | -1.52pp |
| 2018-12-31 | 5.56% | $88.18 Million | $1.59 Billion | -0.18pp |
| 2017-12-31 | 5.74% | $93.38 Million | $1.63 Billion | -0.87pp |
| 2016-12-31 | 6.62% | $107.21 Million | $1.62 Billion | -0.97pp |
| 2015-12-31 | 7.59% | $114.75 Million | $1.51 Billion | -0.68pp |
| 2014-12-31 | 8.27% | $121.17 Million | $1.47 Billion | +0.64pp |
| 2013-12-31 | 7.63% | $110.91 Million | $1.45 Billion | +2.38pp |
| 2012-12-31 | 5.25% | $77.83 Million | $1.48 Billion | -0.68pp |
| 2011-12-31 | 5.94% | $92.83 Million | $1.56 Billion | -7.31pp |
| 2010-12-31 | 13.24% | $202.71 Million | $1.53 Billion | +7.64pp |
| 2009-12-31 | 5.61% | $87.84 Million | $1.57 Billion | -2.43pp |
| 2008-12-31 | 8.03% | $124.92 Million | $1.55 Billion | +2.83pp |
| 2007-12-31 | 5.20% | $77.05 Million | $1.48 Billion | -2.10pp |
| 2006-12-31 | 7.31% | $117.85 Million | $1.61 Billion | -8.07pp |
| 2005-12-31 | 15.38% | $248.24 Million | $1.61 Billion | +15.28pp |
| 2004-12-31 | 0.10% | $1.43 Million | $1.49 Billion | -0.06pp |
| 2003-12-31 | 0.16% | $2.27 Million | $1.46 Billion | -- |
About BankFinancial Corporation
BankFinancial Corporation operates as the bank holding company for BankFinancial, National Association that provides banking, financial planning, and fiduciary services to individuals, families, and businesses. The company accepts various deposit products, such as savings, NOW, checking, money market, IRAs, and other retirement accounts, as well as certificates of deposit. Its loan portfolio cons… Read more