First Citizens BancShares, Inc. - Asset Resilience Ratio
First Citizens BancShares, Inc. (FCNCA) has an Asset Resilience Ratio of 10.75% 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 Citizens BancShares, Inc. 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 (1990–2025)
This chart shows how First Citizens BancShares, Inc.'s Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see First Citizens BancShares, Inc. assets under control.
Liquid Assets Composition Over Time
This chart breaks down First Citizens BancShares, Inc.'s liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore FCNCA 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 | $25.46 Billion | 10.75% |
| Total Liquid Assets | $25.46 Billion | 10.75% |
Asset Resilience Insights
- Moderate Liquidity: First Citizens BancShares, Inc. has 10.75% 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 Citizens BancShares, Inc. Industry Peers by Asset Resilience Ratio
Compare First Citizens BancShares, 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 Citizens BancShares, Inc. (1990–2025)
The table below shows the annual Asset Resilience Ratio data for First Citizens BancShares, Inc..
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 0.10% | $232.00 Million | $229.70 Billion | -15.06pp |
| 2024-12-31 | 15.16% | $33.91 Billion | $223.72 Billion | +5.83pp |
| 2023-12-31 | 9.33% | $19.94 Billion | $213.76 Billion | +1.10pp |
| 2022-12-31 | 8.23% | $8.99 Billion | $109.30 Billion | -23.19pp |
| 2021-12-31 | 31.42% | $18.32 Billion | $58.31 Billion | +22.71pp |
| 2020-12-31 | 8.70% | $4.35 Billion | $49.96 Billion | +5.92pp |
| 2019-12-31 | 2.78% | $1.11 Billion | $39.82 Billion | -12.34pp |
| 2018-12-31 | 15.12% | $5.35 Billion | $35.41 Billion | -9.69pp |
| 2017-12-31 | 24.82% | $8.57 Billion | $34.53 Billion | -2.10pp |
| 2016-12-31 | 26.91% | $8.88 Billion | $32.99 Billion | +20.36pp |
| 2015-12-31 | 6.55% | $2.06 Billion | $31.48 Billion | -23.03pp |
| 2014-12-31 | 29.58% | $8.90 Billion | $30.08 Billion | +0.11pp |
| 2013-12-31 | 29.48% | $6.25 Billion | $21.19 Billion | +2.84pp |
| 2012-12-31 | 26.64% | $5.67 Billion | $21.28 Billion | +5.25pp |
| 2011-12-31 | 21.39% | $4.49 Billion | $21.00 Billion | +19.48pp |
| 2010-12-31 | 1.91% | $398.39 Million | $20.81 Billion | -13.95pp |
| 2009-12-31 | 15.86% | $2.93 Billion | $18.47 Billion | +14.82pp |
| 2008-12-31 | 1.04% | $174.62 Million | $16.75 Billion | -0.60pp |
| 2007-12-31 | 1.64% | $266.21 Million | $16.21 Billion | -0.57pp |
| 2006-12-31 | 2.22% | $348.60 Million | $15.73 Billion | -1.07pp |
| 2005-12-31 | 3.29% | $481.01 Million | $14.64 Billion | +0.39pp |
| 2004-12-31 | 2.89% | $383.74 Million | $13.27 Billion | +0.55pp |
| 2003-12-31 | 2.34% | $294.40 Million | $12.56 Billion | -2.75pp |
| 2002-12-31 | 5.10% | $623.57 Million | $12.23 Billion | +0.87pp |
| 2001-12-31 | 4.23% | $501.91 Million | $11.86 Billion | +0.20pp |
| 2000-12-31 | 4.03% | $431.38 Million | $10.69 Billion | -0.84pp |
| 1999-12-31 | 4.87% | $473.40 Million | $9.72 Billion | +2.45pp |
| 1998-12-31 | 2.42% | $232.70 Million | $9.61 Billion | +1.51pp |
| 1997-12-31 | 0.91% | $81.80 Million | $8.95 Billion | -1.02pp |
| 1996-12-31 | 1.94% | $156.00 Million | $8.06 Billion | +1.39pp |
| 1995-12-31 | 0.55% | $40.40 Million | $7.38 Billion | +0.44pp |
| 1994-12-31 | 0.11% | $6.80 Million | $6.33 Billion | -0.22pp |
| 1993-12-31 | 0.33% | $20.00 Million | $6.10 Billion | -1.70pp |
| 1992-12-31 | 2.03% | $110.00 Million | $5.41 Billion | +2.00pp |
| 1991-12-31 | 0.03% | $1.90 Million | $5.47 Billion | -2.27pp |
| 1990-12-31 | 2.30% | $111.00 Million | $4.82 Billion | -- |
About First Citizens BancShares, Inc.
First Citizens BancShares, Inc. operates as the holding company for First-Citizens Bank & Trust Company that provides retail and commercial banking services to individuals, businesses, and professionals in the United States and internationally. It operates through the General Bank, Commercial Bank, and Rail segments. The General Bank segment offers deposit products, including checking, savings, m… Read more