Citizens Financial Services Inc. Common Stock - Asset Resilience Ratio
Citizens Financial Services Inc. Common Stock (CZFS) has an Asset Resilience Ratio of 15.39% as of June 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 Citizens Financial Services Inc. Common 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 (2001–2025)
This chart shows how Citizens Financial Services Inc. Common Stock's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see CZFS total assets.
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. Explore Citizens Financial Services Inc. Common (CZFS) long-term investment share 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 | $491.31 Million | 15.39% |
| Total Liquid Assets | $491.31 Million | 15.39% |
Asset Resilience Insights
- Good Liquidity Position: Citizens Financial Services Inc. Common Stock maintains a healthy 15.39% 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.
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 |
|---|---|---|
|
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 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 | 1.18% | $36.05 Million | $3.06 Billion | -0.38pp |
| 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 | -- |
About 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; loan products, including residential, commercial, and agricultural real estate loans; commercial and industrial loans; state … Read more