Citizens Holding Company - Asset Resilience Ratio
Citizens Holding Company (CIZN) has an Asset Resilience Ratio of 9.56% as of March 2026. 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. Read CIZN liabilities breakdown for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how Citizens Holding Company's Asset Resilience Ratio has changed over time. See how much free cash does Citizens Holding Company generate to measure how efficiently the company converts operating cash flow to free cash.
Liquid Assets Composition Over Time
This chart breaks down Citizens Holding Company'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 Citizens Holding Company assets under control.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $146.14 Million | 9.56% |
| Total Liquid Assets | $146.14 Million | 9.56% |
Asset Resilience Insights
- Limited Liquidity: Citizens Holding Company maintains only 9.56% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Citizens Holding Company Industry Peers by Asset Resilience Ratio
Compare Citizens Holding Company's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Shanghai Rural Commercial Bank Co Ltd
SHG:601825 |
Banks - Regional | -14.43% |
|
Banco Santander (Brasil) S.A.
SA:SANB3 |
Banks - Regional | 5.81% |
|
King’s Town Bank
TW:2809 |
Banks - Regional | -9.61% |
|
Nationwide Building Society
LSE:NBS |
Banks - Regional | 0.25% |
|
Bank Ochrony Środowiska SA
WAR:BOS |
Banks - Regional | 0.09% |
|
Bank Multiarta Sentosa PT
JK:MASB |
Banks - Regional | 1.29% |
|
Merkur PrivatBank KgaA
XETRA:MBK |
Banks - Regional | 0.00% |
|
RMB Holdings Ltd
JSE:RMH |
Banks - Regional | 27.52% |
Annual Asset Resilience Ratio for Citizens Holding Company (2000–2025)
The table below shows the annual Asset Resilience Ratio data for Citizens Holding Company.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 4.88% | $73.69 Million | $1.51 Billion | -7.85pp |
| 2024-12-31 | 12.73% | $187.34 Million | $1.47 Billion | +0.07pp |
| 2023-12-31 | 12.66% | $177.79 Million | $1.40 Billion | -2.55pp |
| 2022-12-31 | 15.21% | $201.32 Million | $1.32 Billion | -31.21pp |
| 2021-12-31 | 46.41% | $631.84 Million | $1.36 Billion | -0.37pp |
| 2020-12-31 | 46.79% | $678.75 Million | $1.45 Billion | +7.94pp |
| 2019-12-31 | 38.85% | $464.38 Million | $1.20 Billion | -7.55pp |
| 2018-12-31 | 46.39% | $444.75 Million | $958.63 Million | -4.46pp |
| 2017-12-31 | 50.86% | $505.05 Million | $993.10 Million | +1.06pp |
| 2016-12-31 | 49.80% | $496.12 Million | $996.27 Million | +22.34pp |
| 2015-12-31 | 27.45% | $267.26 Million | $973.50 Million | +7.94pp |
| 2014-12-31 | 19.52% | $179.75 Million | $921.06 Million | -26.09pp |
| 2013-12-31 | 45.61% | $398.18 Million | $873.07 Million | -2.18pp |
| 2012-12-31 | 47.78% | $420.91 Million | $880.84 Million | +3.93pp |
| 2011-12-31 | 43.86% | $374.51 Million | $853.95 Million | +43.71pp |
| 2010-12-31 | 0.14% | $1.16 Million | $818.32 Million | -0.48pp |
| 2009-12-31 | 0.62% | $5.23 Million | $840.00 Million | +0.49pp |
| 2008-12-31 | 0.13% | $1.00 Million | $766.05 Million | -0.09pp |
| 2007-12-31 | 0.22% | $1.51 Million | $680.90 Million | -2.29pp |
| 2006-12-31 | 2.51% | $15.60 Million | $621.20 Million | +2.46pp |
| 2005-12-31 | 0.05% | $313.00K | $614.83 Million | -1.96pp |
| 2004-12-31 | 2.01% | $11.82 Million | $587.24 Million | -27.45pp |
| 2003-12-31 | 29.46% | $162.28 Million | $550.76 Million | +28.76pp |
| 2002-12-31 | 0.71% | $3.67 Million | $518.45 Million | -1.99pp |
| 2001-12-31 | 2.70% | $11.52 Million | $427.21 Million | +1.66pp |
| 2000-12-31 | 1.04% | $3.96 Million | $382.80 Million | -- |
About Citizens Holding Company
Citizens Holding Company operates as the bank holding company for The Citizens Bank of Philadelphia that provides various banking products and services. It offers short-term and long-term demand, insured cash sweep, time, and non-interest-bearing deposits; health savings, individual retirement, business and personal savings and checking, and NOW and money market accounts; and long-term certificat… Read more