ECB Bancorp Inc. - Asset Resilience Ratio
ECB Bancorp Inc. (ECBK) has an Asset Resilience Ratio of 6.56% as of March 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.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2020–2025)
This chart shows how ECB Bancorp Inc.'s Asset Resilience Ratio has changed over time. Check ECBK PP&E to net assets ratio to assess the company's strategic physical and investment asset allocation.
Liquid Assets Composition Over Time
This chart breaks down ECB 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 ECBK market cap.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $108.25 Million | 6.56% |
| Total Liquid Assets | $108.25 Million | 6.56% |
Asset Resilience Insights
- Limited Liquidity: ECB Bancorp Inc. maintains only 6.56% 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.
ECB Bancorp Inc. Industry Peers by Asset Resilience Ratio
Compare ECB 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 ECB Bancorp Inc. (2020–2025)
The table below shows the annual Asset Resilience Ratio data for ECB Bancorp Inc..
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 0.55% | $8.88 Million | $1.61 Billion | -0.47pp |
| 2024-12-31 | 1.03% | $14.57 Million | $1.42 Billion | +0.64pp |
| 2023-12-31 | 0.39% | $5.00 Million | $1.28 Billion | -0.08pp |
| 2022-12-31 | 0.47% | $5.00 Million | $1.06 Billion | -0.28pp |
| 2021-12-31 | 0.75% | $5.01 Million | $666.49 Million | -0.11pp |
| 2020-12-31 | 0.86% | $5.04 Million | $587.62 Million | -- |
About ECB Bancorp Inc.
ECB Bancorp, Inc. operating as a holding company for Everett Co-operative Bank that provides various banking products and services. The company accepts various deposit products, including certificate of deposit accounts, individual retirement accounts, money market accounts, savings accounts, demand deposit accounts, and interest-bearing and noninterest-bearing checking accounts. It offers one- t… Read more