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. Check BankFinancial Corporation (BFIN) strategic investment index to assess the company's strategic physical and investment asset allocation.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2003–2024)
This chart shows how BankFinancial Corporation's Asset Resilience Ratio has changed over time. See BankFinancial Corporation balance sheet independence to measure how much of total assets are equity-financed.
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 market capitalisation and broader financial context, see BankFinancial Corporation stock valuation.
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 |
|---|---|---|
|
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 BankFinancial Corporation (2003–2024)
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