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 First Business Financial Services working capital to net assets to evaluate short-term liquidity relative to the company's equity base.
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. For the complete balance sheet picture, see total assets of First Business Financial Services.
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. Explore FBIZ long-term asset investment ratio 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 | $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 |
|---|---|---|
|
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 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