Enterprise Financial Services - Asset Resilience Ratio
Enterprise Financial Services (EFSC) has an Asset Resilience Ratio of 10.06% as of September 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. See EFSC 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 (2000–2024)
This chart shows how Enterprise Financial Services's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see how large is Enterprise Financial Services's balance sheet.
Liquid Assets Composition Over Time
This chart breaks down Enterprise Financial Services's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore long-term investment intensity of Enterprise Financial Services 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 | $1.65 Billion | 10.06% |
| Total Liquid Assets | $1.65 Billion | 10.06% |
Asset Resilience Insights
- Moderate Liquidity: Enterprise Financial Services has 10.06% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- The company has significant short-term investments, indicating active treasury management.
Enterprise Financial Services Industry Peers by Asset Resilience Ratio
Compare Enterprise Financial Services'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 Enterprise Financial Services (2000–2024)
The table below shows the annual Asset Resilience Ratio data for Enterprise Financial Services.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 0.74% | $115.02 Million | $15.60 Billion | -10.41pp |
| 2023-12-31 | 11.15% | $1.62 Billion | $14.52 Billion | -0.62pp |
| 2022-12-31 | 11.76% | $1.54 Billion | $13.05 Billion | +1.67pp |
| 2021-12-31 | 10.09% | $1.37 Billion | $13.54 Billion | +0.73pp |
| 2020-12-31 | 9.36% | $912.43 Million | $9.75 Billion | -6.12pp |
| 2019-12-31 | 15.48% | $1.14 Billion | $7.33 Billion | +2.70pp |
| 2018-12-31 | 12.78% | $721.37 Million | $5.65 Billion | +0.65pp |
| 2017-12-31 | 12.13% | $641.38 Million | $5.29 Billion | +0.84pp |
| 2016-12-31 | 11.29% | $460.80 Million | $4.08 Billion | -1.23pp |
| 2015-12-31 | 12.52% | $451.77 Million | $3.61 Billion | +0.31pp |
| 2014-12-31 | 12.21% | $400.15 Million | $3.28 Billion | -1.50pp |
| 2013-12-31 | 13.71% | $434.59 Million | $3.17 Billion | -5.54pp |
| 2012-12-31 | 19.25% | $640.21 Million | $3.33 Billion | +1.69pp |
| 2011-12-31 | 17.56% | $593.18 Million | $3.38 Billion | +4.68pp |
| 2010-12-31 | 12.89% | $361.55 Million | $2.81 Billion | +0.95pp |
| 2009-12-31 | 11.94% | $282.46 Million | $2.37 Billion | +8.07pp |
| 2008-12-31 | 3.87% | $96.43 Million | $2.49 Billion | 0.00pp |
| 2007-12-31 | 3.87% | $77.38 Million | $2.00 Billion | -3.37pp |
| 2006-12-31 | 7.24% | $111.21 Million | $1.54 Billion | +2.21pp |
| 2005-12-31 | 5.03% | $64.79 Million | $1.29 Billion | +5.02pp |
| 2004-12-31 | 0.01% | $156.00K | $1.06 Billion | -0.01pp |
| 2003-12-31 | 0.02% | $217.00K | $907.73 Million | -3.79pp |
| 2002-12-31 | 3.81% | $33.43 Million | $876.79 Million | -2.73pp |
| 2001-12-31 | 6.55% | $52.06 Million | $795.25 Million | -1.66pp |
| 2000-12-31 | 8.20% | $58.31 Million | $710.94 Million | -- |
About Enterprise Financial Services
Enterprise Financial Services Corp operates as the financial holding company for Enterprise Bank & Trust that offers banking and wealth management services to individuals and corporate customers in Arizona, California, Florida, Kansas, Missouri, Nevada, and New Mexico. It provides checking, savings, money market accounts, and certificates of deposit. The company also provides commercial and indus… Read more