Carter Bank and Trust
Carter Bankshares, Inc. operates as the bank holding company for Carter Bank & Trust that provides various retail and commercial banking products and insurance services in the United States. It offers various deposit products, including checking, savings, retirement, and money market accounts, as well as certificates of deposit. The company also provides commercial loans comprising secured and un… Read more
Carter Bank and Trust - Asset Resilience Ratio
Carter Bank and Trust (CARE) has an Asset Resilience Ratio of 14.25% as of December 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.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2009–2024)
This chart shows how Carter Bank and Trust's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Carter Bank and Trust's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $691.61 Million | 14.25% |
| Total Liquid Assets | $691.61 Million | 14.25% |
Asset Resilience Insights
- Moderate Liquidity: Carter Bank and Trust has 14.25% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- The company has significant short-term investments, indicating active treasury management.
Carter Bank and Trust Industry Peers by Asset Resilience Ratio
Compare Carter Bank and Trust's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for Carter Bank and Trust (2009–2024)
The table below shows the annual Asset Resilience Ratio data for Carter Bank and Trust.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 14.06% | $654.95 Million | $4.66 Billion | -1.89pp |
| 2023-12-31 | 15.95% | $719.64 Million | $4.51 Billion | -3.94pp |
| 2022-12-31 | 19.89% | $836.27 Million | $4.20 Billion | -2.42pp |
| 2021-12-31 | 22.31% | $922.40 Million | $4.13 Billion | +3.68pp |
| 2020-12-31 | 18.63% | $778.68 Million | $4.18 Billion | +0.10pp |
| 2019-12-31 | 18.54% | $742.62 Million | $4.01 Billion | -0.84pp |
| 2018-12-31 | 19.38% | $782.76 Million | $4.04 Billion | -3.66pp |
| 2017-12-31 | 23.03% | $947.20 Million | $4.11 Billion | +19.46pp |
| 2016-12-31 | 3.57% | $160.94 Million | $4.51 Billion | -7.29pp |
| 2015-12-31 | 10.86% | $531.51 Million | $4.89 Billion | +7.21pp |
| 2014-12-31 | 3.65% | $169.21 Million | $4.63 Billion | -5.00pp |
| 2013-12-31 | 8.65% | $403.33 Million | $4.66 Billion | -0.66pp |
| 2012-12-31 | 9.31% | $413.53 Million | $4.44 Billion | -4.85pp |
| 2011-12-31 | 14.16% | $562.25 Million | $3.97 Billion | +1.08pp |
| 2010-12-31 | 13.08% | $484.70 Million | $3.71 Billion | +6.87pp |
| 2009-12-31 | 6.20% | $210.24 Million | $3.39 Billion | -- |