Citizens Community Bancorp Inc Asset Resilience Ratio
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 defensive asset coverage days to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of Citizens Community Bancorp Inc (2005–2025)
Asset resilience ratio of Citizens Community Bancorp Inc from 2005 to 2025. This chart shows how Citizens Community Bancorp Inc's Asset Resilience Ratio has changed over time. Read debt load of Citizens Community Bancorp Inc for a breakdown of total debt and financial obligations.
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 the complete balance sheet picture, see CZWI total assets.
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 |
|---|---|---|
|
Societe Generale S.A.
PA:GLE |
Banks - Regional | 11.25% |
|
Itau Unibanco Banco Holding SA
NYSE:ITUB |
Banks - Regional | 3.55% |
|
Spar Nord Bank
CO:SPNO |
Banks - Regional | -3.96% |
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank Ina Perdana PT
JK:BINA |
Banks - Regional | -30.89% |
|
Bank Rakyat Indonesia Agroniaga
JK:AGRO |
Banks - Regional | 8.38% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
Citizens Community Bancorp Inc Asset Resilience Ratio by Year (2005–2025)
Citizens Community Bancorp Inc asset resilience ratio by year from 2005 to 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