First Citizens BancShares, Inc. - Asset Resilience Ratio
First Citizens BancShares, Inc. (FCNCA) has an Asset Resilience Ratio of 0.15% as of March 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. Check First Citizens BancShares, Inc. strategic capital allocation to assess the company's strategic physical and investment asset allocation.
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. See First Citizens BancShares, Inc. net asset quality index to measure how much of total assets are equity-financed.
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. For market capitalisation and broader financial context, see FCNCA stock market capitalisation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $353.00 Million | 0.15% |
| Total Liquid Assets | $353.00 Million | 0.15% |
Asset Resilience Insights
- Limited Liquidity: First Citizens BancShares, Inc. maintains only 0.15% 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 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 |
|---|---|---|
|
Kreditbanken A/S
CO:KRE |
Banks - Regional | 0.05% |
|
Nu Holdings Ltd
NYSE:NU |
Banks - Regional | 1.52% |
|
Commerzbank AG
XETRA:CBK |
Banks - Regional | 5.22% |
|
Bank Mandiri Persero Tbk PT
JK:BMRI |
Banks - Regional | -0.12% |
|
Axos Financial Inc
NYSE:AX |
Banks - Regional | 0.21% |
|
Bank of Nanjing Co Ltd
SHG:601009 |
Banks - Regional | -5.31% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
King’s Town Bank
TW:2809 |
Banks - Regional | -9.61% |
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