Carter Bank and Trust - Asset Resilience Ratio

Latest as of December 2025: 14.25%

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

$691.61 Million

Cash + Short-term Investments

Total Assets

$4.85 Billion

All company assets

Resilience Assessment

Moderate

Financial Resilience Level

Asset Resilience Ratio Trend (2009–2024)

This chart shows how Carter Bank and Trust's Asset Resilience Ratio has changed over time. Check Carter Bank and Trust strategic capital allocation to assess the company's strategic physical and investment asset allocation.

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. For market capitalisation and broader financial context, see Carter Bank and Trust market capitalisation.

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
Deutsche Bank Aktiengesellschaft F:DBK	Banks - Regional	3.17%
Regions Financial Corporation NYSE:RF	Banks - Regional	17.06%
Bank of Hangzhou Co Ltd SHG:600926	Banks - Regional	7.20%
Banco Santander Chile SN:BSANTANDER	Banks - Regional	6.33%
Grupo Financiero Inbursa S.A.B. de C.V MX:GFINBURO	Banks - Regional	2.07%
Synovus Financial Corp NYSE:SNV	Banks - Regional	4.05%
Bank of Queensland Ltd AU:BOQ	Banks - Regional	0.21%
Regional S.A.B. de C.V MX:RA	Banks - Regional	0.00%

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	--

pp = percentage points

About Carter Bank and Trust

NASDAQ:CARE USA Banks - Regional

Market Cap

$763.63 Million

Market Cap Rank

#12229 Global

#3062 in USA

Share Price

$34.58

Change (1 day)

+1.32%

52-Week Range

$16.96 - $34.59

All Time High

$34.59