Finwise Bancorp Asset Resilience Ratio
Finwise Bancorp asset resilience ratio. Finwise Bancorp (FINW) has an Asset Resilience Ratio of 2.84% as of December 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 FINW defensive asset coverage days to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of Finwise Bancorp (2021–2025)
Asset resilience ratio of Finwise Bancorp from 2021 to 2025. This chart shows how Finwise Bancorp's Asset Resilience Ratio has changed over time. Read FINW current and long-term liabilities for a breakdown of total debt and financial obligations.
Liquid Assets Composition Over Time
This chart breaks down Finwise Bancorp's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For the complete balance sheet picture, see FINW total asset value.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $27.75 Million | 2.84% |
| Total Liquid Assets | $27.75 Million | 2.84% |
Asset Resilience Insights
- Limited Liquidity: Finwise Bancorp maintains only 2.84% 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.
Finwise Bancorp Industry Peers by Asset Resilience Ratio
Compare Finwise Bancorp's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Societe Generale S.A.
PA:GLE |
Banks - Regional | 11.25% |
|
Itau Unibanco Banco Holding SA
NYSE:ITUB |
Banks - Regional | 3.55% |
|
Spar Nord Bank
CO:SPNO |
Banks - Regional | -3.96% |
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank Ina Perdana PT
JK:BINA |
Banks - Regional | -30.89% |
|
Bank Rakyat Indonesia Agroniaga
JK:AGRO |
Banks - Regional | 8.38% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
Finwise Bancorp Asset Resilience Ratio by Year (2021–2025)
Finwise Bancorp asset resilience ratio by year from 2021 to 2025. The table below shows the annual Asset Resilience Ratio data for Finwise Bancorp.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 2.84% | $27.75 Million | $977.13 Million | +2.42pp |
| 2024-12-31 | 0.42% | $3.10 Million | $745.98 Million | -24.99pp |
| 2023-12-31 | 25.40% | $148.93 Million | $586.22 Million | +24.21pp |
| 2022-12-31 | 1.20% | $4.80 Million | $400.78 Million | -1.81pp |
| 2021-12-31 | 3.00% | $11.42 Million | $380.21 Million | -- |
About Finwise Bancorp
FinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking products and services to individual and corporate customers in Utah. The company offers various deposit products, including interest and noninterest-bearing demand accounts, health savings account demand deposits, NOW and money market accounts, and checking and savings accounts, as well as time dep… Read more