First Bancorp - Asset Resilience Ratio
First Bancorp (FBNC) has an Asset Resilience Ratio of 14.87% 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 Bancorp (FBNC) working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how First Bancorp's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see First Bancorp total assets.
Liquid Assets Composition Over Time
This chart breaks down First Bancorp's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore First Bancorp (FBNC) investment intensity 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 | $1.94 Billion | 14.87% |
| Total Liquid Assets | $1.94 Billion | 14.87% |
Asset Resilience Insights
- Moderate Liquidity: First Bancorp has 14.87% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- The company has significant short-term investments, indicating active treasury management.
First Bancorp Industry Peers by Asset Resilience Ratio
Compare First Bancorp'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 Bancorp (2000–2025)
The table below shows the annual Asset Resilience Ratio data for First Bancorp.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 16.17% | $2.05 Billion | $12.67 Billion | +0.55pp |
| 2024-12-31 | 15.62% | $1.90 Billion | $12.15 Billion | -2.45pp |
| 2023-12-31 | 18.07% | $2.19 Billion | $12.11 Billion | -3.71pp |
| 2022-12-31 | 21.78% | $2.31 Billion | $10.63 Billion | -3.25pp |
| 2021-12-31 | 25.03% | $2.63 Billion | $10.51 Billion | +5.10pp |
| 2020-12-31 | 19.93% | $1.45 Billion | $7.29 Billion | +6.56pp |
| 2019-12-31 | 13.38% | $821.95 Million | $6.14 Billion | +4.83pp |
| 2018-12-31 | 8.55% | $501.35 Million | $5.86 Billion | +2.36pp |
| 2017-12-31 | 6.19% | $343.27 Million | $5.55 Billion | +0.67pp |
| 2016-12-31 | 5.51% | $199.33 Million | $3.61 Billion | +0.59pp |
| 2015-12-31 | 4.93% | $165.61 Million | $3.36 Billion | -0.17pp |
| 2014-12-31 | 5.10% | $164.03 Million | $3.22 Billion | -0.34pp |
| 2013-12-31 | 5.43% | $173.04 Million | $3.19 Billion | +0.28pp |
| 2012-12-31 | 5.16% | $167.35 Million | $3.24 Billion | -0.39pp |
| 2011-12-31 | 5.55% | $182.63 Million | $3.29 Billion | +5.58pp |
| 2010-12-31 | -0.03% | $-861.00K | $3.28 Billion | +0.19pp |
| 2009-12-31 | -0.22% | $-7.63 Million | $3.55 Billion | -0.22pp |
| 2008-12-31 | 0.00% | $6.00K | $2.75 Billion | 0.00pp |
| 2007-12-31 | 0.00% | $6.00K | $2.32 Billion | 0.00pp |
| 2006-12-31 | 0.00% | $6.00K | $2.14 Billion | -3.92pp |
| 2005-12-31 | 3.92% | $70.54 Million | $1.80 Billion | +0.20pp |
| 2004-12-31 | 3.72% | $60.91 Million | $1.64 Billion | +1.91pp |
| 2003-12-31 | 1.80% | $26.60 Million | $1.48 Billion | -2.05pp |
| 2002-12-31 | 3.85% | $46.92 Million | $1.22 Billion | -0.76pp |
| 2001-12-31 | 4.61% | $52.80 Million | $1.14 Billion | +3.57pp |
| 2000-12-31 | 1.04% | $9.50 Million | $915.17 Million | -- |
About First Bancorp
First Bancorp operates as the bank holding company for First Bank that provides banking products and services for individuals and businesses. The company accepts deposit products, such as checking, savings, and money market accounts; and time deposits, including certificate of deposits and individual retirement accounts. It also offers commercial business loans, commercial and residential real es… Read more