First Capital Inc - Asset Resilience Ratio
First Capital Inc (FCAP) has an Asset Resilience Ratio of 35.41% as of September 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. See FCAP 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 (2000–2024)
This chart shows how First Capital Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see how large is First Capital Inc's balance sheet.
Liquid Assets Composition Over Time
This chart breaks down First Capital Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore FCAP long-term investments to assets 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 | $437.47 Million | 35.41% |
| Total Liquid Assets | $437.47 Million | 35.41% |
Asset Resilience Insights
- Very High Liquidity: First Capital Inc maintains exceptional liquid asset reserves at 35.41% of total assets.
- This level provides strong protection against economic uncertainties but may indicate potential for more aggressive growth investments.
- The company has significant short-term investments, indicating active treasury management.
First Capital Inc Industry Peers by Asset Resilience Ratio
Compare First Capital Inc'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 Capital Inc (2000–2024)
The table below shows the annual Asset Resilience Ratio data for First Capital Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 5.48% | $65.09 Million | $1.19 Billion | -32.28pp |
| 2023-12-31 | 37.76% | $437.27 Million | $1.16 Billion | -2.26pp |
| 2022-12-31 | 40.02% | $460.82 Million | $1.15 Billion | +1.35pp |
| 2021-12-31 | 38.68% | $447.33 Million | $1.16 Billion | +10.82pp |
| 2020-12-31 | 27.86% | $283.50 Million | $1.02 Billion | -2.90pp |
| 2019-12-31 | 30.76% | $254.56 Million | $827.50 Million | -2.21pp |
| 2018-12-31 | 32.97% | $261.84 Million | $794.16 Million | -2.76pp |
| 2017-12-31 | 35.73% | $271.17 Million | $758.96 Million | +1.33pp |
| 2016-12-31 | 34.40% | $255.84 Million | $743.66 Million | +8.31pp |
| 2015-12-31 | 26.09% | $186.75 Million | $715.83 Million | +4.89pp |
| 2014-12-31 | 21.20% | $100.23 Million | $472.76 Million | -3.27pp |
| 2013-12-31 | 24.47% | $108.76 Million | $444.38 Million | -2.31pp |
| 2012-12-31 | 26.78% | $122.97 Million | $459.13 Million | +1.39pp |
| 2011-12-31 | 25.39% | $111.44 Million | $438.89 Million | +22.94pp |
| 2010-12-31 | 2.46% | $11.11 Million | $452.38 Million | -18.12pp |
| 2009-12-31 | 20.58% | $93.73 Million | $455.53 Million | +3.80pp |
| 2008-12-31 | 16.78% | $76.95 Million | $458.62 Million | +15.67pp |
| 2007-12-31 | 1.11% | $5.04 Million | $453.18 Million | -1.18pp |
| 2006-12-31 | 2.29% | $10.47 Million | $457.11 Million | +1.82pp |
| 2005-12-31 | 0.47% | $2.05 Million | $438.35 Million | -0.29pp |
| 2004-12-31 | 0.76% | $3.23 Million | $425.30 Million | +0.43pp |
| 2003-12-31 | 0.34% | $1.37 Million | $409.14 Million | -1.62pp |
| 2002-12-31 | 1.96% | $6.04 Million | $308.55 Million | +0.12pp |
| 2001-12-31 | 1.84% | $5.20 Million | $282.82 Million | -0.36pp |
| 2000-12-31 | 2.20% | $5.46 Million | $248.58 Million | -- |
About First Capital Inc
First Capital, Inc. operates as the bank holding company for First Harrison Bank that provides various banking services to individuals and business customers in Indiana and Kentucky, the United States. The company offers various deposit instruments, including non-interest-bearing checking accounts, negotiable order of withdrawal accounts, money market accounts, regular savings accounts, certifica… Read more