The First Bancshares, Inc.
The First Bancshares, Inc. operates as the bank holding company for The First Bank that provides general commercial and retail banking services. The company operates through three segments: Commercial/Retail Bank, Mortgage Banking Division, and Holding Company. It offers deposit services, including checking, NOW accounts, and savings accounts; other time deposits, such as daily money market accou… Read more
The First Bancshares, Inc. - Asset Resilience Ratio
The First Bancshares, Inc. (FBMS) has an Asset Resilience Ratio of 6.78% as of December 2024. 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 (2004–2024)
This chart shows how The First Bancshares, Inc.'s Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down The First Bancshares, Inc.'s liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $542.75 Million | 6.78% |
| Total Liquid Assets | $542.75 Million | 6.78% |
Asset Resilience Insights
- Limited Liquidity: The First Bancshares, Inc. maintains only 6.78% 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.
The First Bancshares, Inc. Industry Peers by Asset Resilience Ratio
Compare The First Bancshares, Inc.'s asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for The First Bancshares, Inc. (2004–2024)
The table below shows the annual Asset Resilience Ratio data for The First Bancshares, Inc..
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 6.78% | $542.75 Million | $8.00 Billion | +26.15pp |
| 2023-12-31 | -19.37% | $-1.55 Billion | $8.00 Billion | -38.83pp |
| 2022-12-31 | 19.45% | $1.26 Billion | $6.46 Billion | -9.37pp |
| 2021-12-31 | 28.83% | $1.75 Billion | $6.08 Billion | +8.99pp |
| 2020-12-31 | 19.84% | $1.02 Billion | $5.15 Billion | +0.43pp |
| 2019-12-31 | 19.41% | $765.09 Million | $3.94 Billion | +3.01pp |
| 2018-12-31 | 16.40% | $492.70 Million | $3.00 Billion | -3.28pp |
| 2017-12-31 | 19.68% | $356.89 Million | $1.81 Billion | +0.64pp |
| 2016-12-31 | 19.04% | $243.21 Million | $1.28 Billion | -1.90pp |
| 2015-12-31 | 20.93% | $239.73 Million | $1.15 Billion | -2.36pp |
| 2014-12-31 | 23.29% | $254.75 Million | $1.09 Billion | -2.65pp |
| 2013-12-31 | 25.94% | $244.05 Million | $940.89 Million | -3.78pp |
| 2012-12-31 | 29.72% | $214.39 Million | $721.38 Million | +29.33pp |
| 2011-12-31 | 0.39% | $2.65 Million | $681.41 Million | -0.13pp |
| 2010-12-31 | 0.52% | $2.60 Million | $503.04 Million | +0.02pp |
| 2009-12-31 | 0.50% | $2.38 Million | $477.55 Million | -0.05pp |
| 2008-12-31 | 0.55% | $2.61 Million | $474.82 Million | +0.46pp |
| 2007-12-31 | 0.09% | $451.00K | $496.06 Million | -2.17pp |
| 2006-12-31 | 2.26% | $9.44 Million | $417.77 Million | -3.43pp |
| 2005-12-31 | 5.69% | $16.74 Million | $294.39 Million | +4.95pp |
| 2004-12-31 | 0.74% | $1.57 Million | $212.40 Million | -- |