Citizens Community Bancorp Inc - Asset Resilience Ratio
Citizens Community Bancorp Inc (CZWI) has an Asset Resilience Ratio of 7.08% 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 CZWI net working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2005–2025)
This chart shows how Citizens Community Bancorp Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see balance sheet size of Citizens Community Bancorp Inc.
Liquid Assets Composition Over Time
This chart breaks down Citizens Community Bancorp Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore CZWI long-term investments to assets 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 | $128.44 Million | 7.08% |
| Total Liquid Assets | $128.44 Million | 7.08% |
Asset Resilience Insights
- Limited Liquidity: Citizens Community Bancorp Inc maintains only 7.08% 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 Community Bancorp Inc Industry Peers by Asset Resilience Ratio
Compare Citizens Community Bancorp 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 Citizens Community Bancorp Inc (2005–2025)
The table below shows the annual Asset Resilience Ratio data for Citizens Community Bancorp Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 3.86% | $68.79 Million | $1.78 Billion | -0.31pp |
| 2024-12-31 | 4.17% | $72.87 Million | $1.75 Billion | +0.20pp |
| 2023-12-31 | 3.97% | $73.48 Million | $1.85 Billion | -5.17pp |
| 2022-12-31 | 9.14% | $165.99 Million | $1.82 Billion | +9.13pp |
| 2021-12-31 | 0.01% | $140.00K | $1.74 Billion | -8.74pp |
| 2020-12-31 | 8.75% | $144.23 Million | $1.65 Billion | -3.02pp |
| 2019-12-31 | 11.76% | $180.12 Million | $1.53 Billion | +0.37pp |
| 2018-12-31 | 11.39% | $146.72 Million | $1.29 Billion | +1.20pp |
| 2017-12-31 | 10.19% | $95.88 Million | $940.66 Million | -1.63pp |
| 2016-12-31 | 11.82% | $81.14 Million | $686.41 Million | -3.16pp |
| 2015-12-31 | 14.98% | $87.16 Million | $581.77 Million | +4.07pp |
| 2014-12-31 | 10.91% | $62.19 Million | $569.82 Million | -3.46pp |
| 2013-12-31 | 14.37% | $79.69 Million | $554.52 Million | +1.71pp |
| 2012-12-31 | 12.66% | $67.11 Million | $530.18 Million | +4.39pp |
| 2011-12-31 | 8.26% | $44.34 Million | $536.56 Million | +1.25pp |
| 2010-12-31 | 7.02% | $41.71 Million | $594.37 Million | +6.59pp |
| 2009-12-31 | 0.43% | $2.46 Million | $575.41 Million | +0.35pp |
| 2008-12-31 | 0.08% | $371.00K | $480.04 Million | -0.01pp |
| 2007-12-31 | 0.09% | $371.00K | $409.43 Million | -0.24pp |
| 2006-12-31 | 0.33% | $959.00K | $289.86 Million | -0.26pp |
| 2005-12-31 | 0.59% | $1.44 Million | $245.71 Million | -- |
About Citizens Community Bancorp Inc
Citizens Community Bancorp, Inc. operates as a bank holding company for Citizens Community Federal N.A. that provides various traditional community banking services to businesses, agricultural operators, and consumers in the United States, Wisconsin, Minnesota and internationally. The company offers various deposit products, including demand deposits, savings and money market accounts, and certif… Read more