First Business Financial Services - Asset Resilience Ratio
First Business Financial Services (FBIZ) has an Asset Resilience Ratio of 0.21% 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. Read First Business Financial Services balance sheet liabilities for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2004–2025)
This chart shows how First Business Financial Services's Asset Resilience Ratio has changed over time. See net assets of First Business Financial Services for net asset value and shareholders' equity analysis.
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 market capitalisation and broader financial context, see market value of First Business Financial Services.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $8.71 Million | 0.21% |
| Total Liquid Assets | $8.71 Million | 0.21% |
Asset Resilience Insights
- Limited Liquidity: First Business Financial Services maintains only 0.21% 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 |
|---|---|---|
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
VersaBank
TO:VBNK |
Banks - Regional | 1.65% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
|
RMB Holdings Ltd
JSE:RMH |
Banks - Regional | 20.83% |
|
Bank Tabungan Pensiunan Nasional Syariah PT
JK:BTPS |
Banks - Regional | 44.92% |
|
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% |
Annual Asset Resilience Ratio for First Business Financial Services (2004–2025)
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