First Business Financial Services Asset Resilience Ratio
First Business Financial Services asset resilience ratio. First Business Financial Services (FBIZ) has an Asset Resilience Ratio of 8.34% 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 how many days can First Business Financial Services fund operations to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of First Business Financial Services (2004–2025)
Asset resilience ratio of First Business Financial Services from 2004 to 2025. This chart shows how First Business Financial Services's Asset Resilience Ratio has changed over time. Read FBIZ liabilities breakdown for a breakdown of total debt and financial obligations.
Liquid Assets Composition Over Time
This chart breaks down First Business Financial Services'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 FBIZ asset base.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $367.75 Million | 8.34% |
| Total Liquid Assets | $367.75 Million | 8.34% |
Asset Resilience Insights
- Limited Liquidity: First Business Financial Services maintains only 8.34% 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.
First Business Financial Services Industry Peers by Asset Resilience Ratio
Compare First Business Financial Services's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Commerzbank AG
XETRA:CBK |
Banks - Regional | 5.22% |
|
CIMB Group Holdings Bhd
KLSE:1023 |
Banks - Regional | 1.96% |
|
BNK Banking Corporation Ltd
AU:BBC |
Banks - Regional | 8.96% |
|
Banco Bradesco DRC
BA:BBD |
Banks - Regional | 4.82% |
|
Grupo Financiero Galicia S.A.
BA:GGAL |
Banks - Regional | 8.18% |
|
Banco Macro SA B
BA:BMA |
Banks - Regional | 0.55% |
|
BBVA Banco Frances SA
BA:BBAR |
Banks - Regional | 7.45% |
|
Banco Patagonia
BA:BPAT |
Banks - Regional | 0.44% |
First Business Financial Services Asset Resilience Ratio by Year (2004–2025)
First Business Financial Services asset resilience ratio by year from 2004 to 2025. The table below shows the annual Asset Resilience Ratio data for First Business Financial Services.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 0.21% | $8.71 Million | $4.08 Billion | -8.65pp |
| 2024-12-31 | 8.86% | $341.39 Million | $3.85 Billion | +0.39pp |
| 2023-12-31 | 8.47% | $297.01 Million | $3.51 Billion | +1.34pp |
| 2022-12-31 | 7.12% | $212.02 Million | $2.98 Billion | -0.63pp |
| 2021-12-31 | 7.75% | $205.70 Million | $2.65 Billion | +0.59pp |
| 2020-12-31 | 7.16% | $183.93 Million | $2.57 Billion | -1.09pp |
| 2019-12-31 | 8.26% | $173.13 Million | $2.10 Billion | +1.22pp |
| 2018-12-31 | 7.04% | $138.36 Million | $1.97 Billion | +0.01pp |
| 2017-12-31 | 7.02% | $126.00 Million | $1.79 Billion | -1.17pp |
| 2016-12-31 | 8.19% | $145.89 Million | $1.78 Billion | +0.31pp |
| 2015-12-31 | 7.88% | $140.55 Million | $1.78 Billion | -1.00pp |
| 2014-12-31 | 8.88% | $144.70 Million | $1.63 Billion | -5.32pp |
| 2013-12-31 | 14.20% | $180.12 Million | $1.27 Billion | -2.16pp |
| 2012-12-31 | 16.36% | $200.60 Million | $1.23 Billion | +1.89pp |
| 2011-12-31 | 14.47% | $170.39 Million | $1.18 Billion | +10.74pp |
| 2010-12-31 | 3.74% | $41.37 Million | $1.11 Billion | -5.59pp |
| 2009-12-31 | 9.32% | $104.17 Million | $1.12 Billion | +8.88pp |
| 2008-12-31 | 0.44% | $4.47 Million | $1.01 Billion | +0.42pp |
| 2007-12-31 | 0.02% | $203.00K | $918.44 Million | -0.01pp |
| 2006-12-31 | 0.03% | $246.00K | $788.32 Million | +0.03pp |
| 2005-12-31 | 0.00% | $8.00K | $669.25 Million | 0.00pp |
| 2004-12-31 | 0.00% | $27.00K | $562.95 Million | -- |
About First Business Financial Services
First Business Financial Services, Inc. operates as the bank holding company for First Business Bank that provides commercial banking products and services for small and medium-sized businesses, business owners, executives, professionals, and high net worth individuals in Wisconsin, Kansas, and Missouri. The company offers commercial real estate lending, commercial and industrial lending, asset-b… Read more