ChoiceOne Financial Services Inc - Asset Resilience Ratio
ChoiceOne Financial Services Inc (COFS) has an Asset Resilience Ratio of 13.05% 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. See ChoiceOne Financial Services Inc short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (1999–2025)
This chart shows how ChoiceOne Financial Services Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see balance sheet size of ChoiceOne Financial Services Inc.
Liquid Assets Composition Over Time
This chart breaks down ChoiceOne Financial Services Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore COFS long-term investment intensity to see how much of total assets are deployed in long-term investments.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $573.53 Million | 13.05% |
| Total Liquid Assets | $573.53 Million | 13.05% |
Asset Resilience Insights
- Moderate Liquidity: ChoiceOne Financial Services Inc has 13.05% 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.
ChoiceOne Financial Services Inc Industry Peers by Asset Resilience Ratio
Compare ChoiceOne Financial Services Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Santander Bank Polska S.A.
WAR:SPL |
Banks - Regional | 4.41% |
|
Banco Santander Chile
NYSE:BSAC |
Banks - Regional | 7.94% |
|
Bank of Baroda
NSE:BANKBARODA |
Banks - Regional | -12.63% |
|
Turkiye Is Bankasi AS Class C
IS:ISCTR |
Banks - Regional | -38.78% |
|
Ringkjoebing Landbobank A/S
CO:RILBA |
Banks - Regional | 0.03% |
|
ABSA Bank Limited
JSE:ABSP |
Banks - Regional | 2.72% |
|
Mechanics Bank
NASDAQ:MCHB |
Banks - Regional | 18.39% |
|
Laurentian Bank Of Canada
TO:LB |
Banks - Regional | 0.55% |
Annual Asset Resilience Ratio for ChoiceOne Financial Services Inc (1999–2025)
The table below shows the annual Asset Resilience Ratio data for ChoiceOne Financial Services Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 3.04% | $134.28 Million | $4.41 Billion | -14.55pp |
| 2024-12-31 | 17.59% | $479.12 Million | $2.72 Billion | -2.38pp |
| 2023-12-31 | 19.97% | $514.60 Million | $2.58 Billion | -2.23pp |
| 2022-12-31 | 22.20% | $529.75 Million | $2.39 Billion | -24.23pp |
| 2021-12-31 | 46.43% | $1.10 Billion | $2.37 Billion | +16.48pp |
| 2020-12-31 | 29.95% | $574.79 Million | $1.92 Billion | +5.45pp |
| 2019-12-31 | 24.50% | $339.58 Million | $1.39 Billion | -0.35pp |
| 2018-12-31 | 24.85% | $166.60 Million | $670.54 Million | +0.78pp |
| 2017-12-31 | 24.07% | $155.59 Million | $646.54 Million | -4.65pp |
| 2016-12-31 | 28.71% | $174.39 Million | $607.37 Million | +0.51pp |
| 2015-12-31 | 28.21% | $160.14 Million | $567.75 Million | +2.28pp |
| 2014-12-31 | 25.93% | $142.52 Million | $549.64 Million | -0.52pp |
| 2013-12-31 | 26.45% | $136.08 Million | $514.58 Million | +0.02pp |
| 2012-12-31 | 26.43% | $134.49 Million | $508.91 Million | +3.38pp |
| 2011-12-31 | 23.04% | $114.28 Million | $495.91 Million | +22.00pp |
| 2010-12-31 | 1.04% | $5.00 Million | $480.52 Million | -1.06pp |
| 2009-12-31 | 2.10% | $9.79 Million | $465.92 Million | +1.69pp |
| 2008-12-31 | 0.41% | $1.91 Million | $463.55 Million | +1.82pp |
| 1999-12-31 | -1.41% | $-2.72 Million | $193.11 Million | -- |
About ChoiceOne Financial Services Inc
ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides various banking services in the Michigan. The company offers time, savings, and demand deposits, safe deposits, and automated transaction machine services. It also provides commercial lending products, such as business, industry, agricultural, construction, inventory, commercial, consumer, and… Read more