Esquire Financial Holdings Inc - Asset Resilience Ratio
Esquire Financial Holdings Inc (ESQ) has an Asset Resilience Ratio of 10.42% 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. See Esquire Financial Holdings Inc short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2015–2025)
This chart shows how Esquire Financial Holdings Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see ESQ current and non-current assets.
Liquid Assets Composition Over Time
This chart breaks down Esquire Financial Holdings Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore Esquire Financial Holdings Inc (ESQ) investment intensity 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 | $246.50 Million | 10.42% |
| Total Liquid Assets | $246.50 Million | 10.42% |
Asset Resilience Insights
- Moderate Liquidity: Esquire Financial Holdings Inc has 10.42% 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.
Esquire Financial Holdings Inc Industry Peers by Asset Resilience Ratio
Compare Esquire Financial Holdings 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 Esquire Financial Holdings Inc (2015–2025)
The table below shows the annual Asset Resilience Ratio data for Esquire Financial Holdings Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 10.42% | $246.50 Million | $2.37 Billion | -2.35pp |
| 2024-12-31 | 12.77% | $241.75 Million | $1.89 Billion | +5.22pp |
| 2023-12-31 | 7.55% | $122.11 Million | $1.62 Billion | -0.28pp |
| 2022-12-31 | 7.83% | $109.27 Million | $1.40 Billion | -4.76pp |
| 2021-12-31 | 12.59% | $148.38 Million | $1.18 Billion | +0.03pp |
| 2020-12-31 | 12.56% | $117.66 Million | $936.71 Million | -5.79pp |
| 2019-12-31 | 18.35% | $146.42 Million | $798.01 Million | -3.60pp |
| 2018-12-31 | 21.95% | $145.70 Million | $663.90 Million | -2.18pp |
| 2017-12-31 | 24.13% | $128.76 Million | $533.63 Million | +2.32pp |
| 2016-12-31 | 21.81% | $92.64 Million | $424.83 Million | -2.08pp |
| 2015-12-31 | 23.89% | $84.24 Million | $352.65 Million | -- |
About Esquire Financial Holdings Inc
Esquire Financial Holdings, Inc. operates as the bank holding company for Esquire Bank, National Association that provides commercial banking products and services to legal and small businesses, and commercial and retail customers in the United States. The company provides checking, savings, money market, and time deposits, as well as certificates of deposit. It also offers commercial loans, such… Read more