First Business Financial Services - Asset Resilience Ratio
First Business Financial Services (FBIZ) has an Asset Resilience Ratio of 8.71% as of March 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. Check FBIZ strategic asset allocation to assess the company's strategic physical and investment asset allocation.
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 First Business Financial Services balance sheet independence to measure how much of total assets are equity-financed.
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 | $376.42 Million | 8.71% |
| Total Liquid Assets | $376.42 Million | 8.71% |
Asset Resilience Insights
- Limited Liquidity: First Business Financial Services maintains only 8.71% 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 |
|---|---|---|
|
BNP Paribas SA
PA:BNP |
Banks - Regional | 17.67% |
|
CIMB Group Holdings Bhd
KLSE:1023 |
Banks - Regional | 1.96% |
|
Hua Xia Bank Co Ltd
SHG:600015 |
Banks - Regional | 4.86% |
|
Grupo Security
SN:SECURITY |
Banks - Regional | 0.15% |
|
Bank Mestika Dharma Tbk
JK:BBMD |
Banks - Regional | -6.51% |
|
Bank Multiarta Sentosa PT
JK:MASB |
Banks - Regional | 1.29% |
|
Bank Ochrony Środowiska SA
WAR:BOS |
Banks - Regional | 8.84% |
|
Bank Capital Indonesia Tbk
JK:BACA |
Banks - Regional | -22.83% |
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