Citizens Financial Services Inc. Common Stock
Citizens Financial Services, Inc., a bank holding company, provides various banking products and services for individual, business, governmental, and institutional customers. The company offers various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state… Read more
Citizens Financial Services Inc. Common Stock - Asset Resilience Ratio
Citizens Financial Services Inc. Common Stock (CZFS) has an Asset Resilience Ratio of 14.51% 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 (2001–2025)
This chart shows how Citizens Financial Services Inc. Common Stock's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Citizens Financial Services Inc. Common Stock'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 | $444.74 Million | 14.51% |
| Total Liquid Assets | $444.74 Million | 14.51% |
Asset Resilience Insights
- Moderate Liquidity: Citizens Financial Services Inc. Common Stock has 14.51% 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.
Citizens Financial Services Inc. Common Stock Industry Peers by Asset Resilience Ratio
Compare Citizens Financial Services Inc. Common Stock'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 Citizens Financial Services Inc. Common Stock (2001–2025)
The table below shows the annual Asset Resilience Ratio data for Citizens Financial Services Inc. Common Stock.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 14.51% | $444.74 Million | $3.06 Billion | +12.96pp |
| 2024-12-31 | 1.56% | $47.12 Million | $3.03 Billion | -12.48pp |
| 2023-12-31 | 14.04% | $417.60 Million | $2.98 Billion | -4.80pp |
| 2022-12-31 | 18.84% | $439.51 Million | $2.33 Billion | -0.40pp |
| 2021-12-31 | 19.24% | $412.40 Million | $2.14 Billion | +3.63pp |
| 2020-12-31 | 15.60% | $295.19 Million | $1.89 Billion | -0.81pp |
| 2019-12-31 | 16.42% | $240.71 Million | $1.47 Billion | -0.43pp |
| 2018-12-31 | 16.85% | $241.01 Million | $1.43 Billion | -1.86pp |
| 2017-12-31 | 18.71% | $254.78 Million | $1.36 Billion | -6.97pp |
| 2016-12-31 | 25.68% | $314.02 Million | $1.22 Billion | -5.26pp |
| 2015-12-31 | 30.93% | $359.74 Million | $1.16 Billion | -2.16pp |
| 2014-12-31 | 33.10% | $306.15 Million | $925.05 Million | -1.59pp |
| 2013-12-31 | 34.68% | $317.30 Million | $914.93 Million | -0.48pp |
| 2012-12-31 | 35.16% | $310.25 Million | $882.43 Million | -1.13pp |
| 2011-12-31 | 36.29% | $318.82 Million | $878.57 Million | +32.05pp |
| 2010-12-31 | 4.24% | $34.45 Million | $812.53 Million | +1.23pp |
| 2009-12-31 | 3.01% | $21.94 Million | $729.48 Million | -23.04pp |
| 2008-12-31 | 26.04% | $174.14 Million | $668.61 Million | +5.61pp |
| 2007-12-31 | 20.44% | $120.79 Million | $591.03 Million | +20.44pp |
| 2006-12-31 | 0.00% | $8.00K | $572.17 Million | -0.02pp |
| 2005-12-31 | 0.02% | $111.00K | $529.24 Million | -0.01pp |
| 2004-12-31 | 0.04% | $177.00K | $499.35 Million | -0.04pp |
| 2003-12-31 | 0.07% | $327.00K | $463.88 Million | -0.03pp |
| 2002-12-31 | 0.10% | $421.00K | $432.66 Million | +0.08pp |
| 2001-12-31 | 0.02% | $67.00K | $421.11 Million | -- |