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.
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. Check ESQ strategic assets to equity ratio to assess the company's strategic physical and investment asset allocation.
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. For market capitalisation and broader financial context, see market value of Esquire Financial Holdings Inc.
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 |
|---|---|---|
|
Bank of Nanjing Co Ltd
SHG:601009 |
Banks - Regional | -5.31% |
|
First BanCorp
F:OLWN |
Banks - Regional | 21.26% |
|
King’s Town Bank
TW:2809 |
Banks - Regional | -9.61% |
|
Nordfyns Bank A/S
CO:NRDF |
Banks - Regional | -48.64% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Export Inv
TA:EXPO |
Banks - Regional | 0.01% |
|
Caisse Régionale du Crédit Agricole Alpes Provence
PA:CRAP |
Banks - Regional | 1.84% |
|
Banco Bradesco DRC
BA:BBD |
Banks - Regional | 4.82% |
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