Citizens Community Bancorp Inc - Asset Resilience Ratio
Citizens Community Bancorp Inc (CZWI) has an Asset Resilience Ratio of 7.53% 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 (2005–2025)
This chart shows how Citizens Community Bancorp Inc's Asset Resilience Ratio has changed over time. Check Citizens Community Bancorp Inc strategic asset allocation index to assess the company's strategic physical and investment asset allocation.
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. For market capitalisation and broader financial context, see CZWI market cap.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $134.10 Million | 7.53% |
| Total Liquid Assets | $134.10 Million | 7.53% |
Asset Resilience Insights
- Limited Liquidity: Citizens Community Bancorp Inc maintains only 7.53% 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 |
|---|---|---|
|
Deutsche Bank Aktiengesellschaft
F:DBK |
Banks - Regional | 3.17% |
|
Regions Financial Corporation
NYSE:RF |
Banks - Regional | 17.06% |
|
Bank of Hangzhou Co Ltd
SHG:600926 |
Banks - Regional | 7.20% |
|
Banco Santander Chile
SN:BSANTANDER |
Banks - Regional | 6.33% |
|
Grupo Financiero Inbursa S.A.B. de C.V
MX:GFINBURO |
Banks - Regional | 2.07% |
|
Synovus Financial Corp
NYSE:SNV |
Banks - Regional | 4.05% |
|
Bank of Queensland Ltd
AU:BOQ |
Banks - Regional | 0.21% |
|
Regional S.A.B. de C.V
MX:RA |
Banks - Regional | 0.00% |
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 | 7.53% | $134.10 Million | $1.78 Billion | +3.36pp |
| 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