Civista Bancshares Inc - Asset Resilience Ratio
Civista Bancshares Inc (CIVB) has an Asset Resilience Ratio of 15.79% 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. Check CIVB strategic asset allocation to assess the company's strategic physical and investment asset allocation.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how Civista Bancshares Inc's Asset Resilience Ratio has changed over time. See Civista Bancshares Inc net asset quality index to measure how much of total assets are equity-financed.
Liquid Assets Composition Over Time
This chart breaks down Civista Bancshares Inc'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 Civista Bancshares Inc market capitalisation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $684.60 Million | 15.79% |
| Total Liquid Assets | $684.60 Million | 15.79% |
Asset Resilience Insights
- Good Liquidity Position: Civista Bancshares Inc maintains a healthy 15.79% of assets in liquid form.
- This level provides good financial flexibility while maintaining productive asset deployment.
- The company has significant short-term investments, indicating active treasury management.
Civista Bancshares Inc Industry Peers by Asset Resilience Ratio
Compare Civista Bancshares Inc'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 Civista Bancshares Inc (2000–2025)
The table below shows the annual Asset Resilience Ratio data for Civista Bancshares Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 15.79% | $684.60 Million | $4.34 Billion | +9.31pp |
| 2024-12-31 | 6.47% | $265.34 Million | $4.10 Billion | -9.54pp |
| 2023-12-31 | 16.01% | $618.27 Million | $3.86 Billion | -1.38pp |
| 2022-12-31 | 17.39% | $615.40 Million | $3.54 Billion | -1.19pp |
| 2021-12-31 | 18.58% | $559.87 Million | $3.01 Billion | +5.46pp |
| 2020-12-31 | 13.13% | $363.46 Million | $2.77 Billion | -2.40pp |
| 2019-12-31 | 15.52% | $358.50 Million | $2.31 Billion | -0.72pp |
| 2018-12-31 | 16.24% | $347.36 Million | $2.14 Billion | +1.10pp |
| 2017-12-31 | 15.14% | $231.06 Million | $1.53 Billion | +0.92pp |
| 2016-12-31 | 14.22% | $195.86 Million | $1.38 Billion | -0.71pp |
| 2015-12-31 | 14.93% | $196.25 Million | $1.31 Billion | -1.37pp |
| 2014-12-31 | 16.29% | $197.91 Million | $1.21 Billion | -0.80pp |
| 2013-12-31 | 17.10% | $199.61 Million | $1.17 Billion | -0.84pp |
| 2012-12-31 | 17.94% | $203.96 Million | $1.14 Billion | -0.45pp |
| 2011-12-31 | 18.39% | $204.63 Million | $1.11 Billion | +16.74pp |
| 2007-12-31 | 1.64% | $18.41 Million | $1.12 Billion | -1.75pp |
| 2005-12-31 | 3.40% | $25.51 Million | $750.94 Million | +2.18pp |
| 2004-12-31 | 1.22% | $9.95 Million | $817.51 Million | -0.73pp |
| 2002-12-31 | 1.95% | $12.70 Million | $651.63 Million | +0.71pp |
| 2001-12-31 | 1.24% | $6.03 Million | $487.67 Million | +1.23pp |
| 2000-12-31 | 0.01% | $51.00K | $489.26 Million | -- |
About Civista Bancshares Inc
Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides banking services in the United States. The company offers personal and commercial checking accounts; retirement, money market, time, and savings accounts; safe deposit boxes; wire transfers; and automated teller services. It also provides internet banking; ACH origination; telephone banking; and mobi… Read more