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.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2021–2025)
This chart shows how Finwise Bancorp's Asset Resilience Ratio has changed over time. Check asset allocation strategy of Finwise Bancorp to assess the company's strategic physical and investment asset allocation.
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 market capitalisation and broader financial context, see Finwise Bancorp stock valuation.
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 |
|---|---|---|
|
Deutsche Bank Aktiengesellschaft
F:DBK |
Banks - Regional | 3.17% |
|
Regions Financial Corporation
NYSE:RF |
Banks - Regional | 17.06% |
|
Bank of Hangzhou Co Ltd
SHG:600926 |
Banks - Regional | 7.20% |
|
Banco Santander Chile
SN:BSANTANDER |
Banks - Regional | 6.33% |
|
Grupo Financiero Inbursa S.A.B. de C.V
MX:GFINBURO |
Banks - Regional | 2.07% |
|
Synovus Financial Corp
NYSE:SNV |
Banks - Regional | 4.05% |
|
Bank of Queensland Ltd
AU:BOQ |
Banks - Regional | 0.21% |
|
Regional S.A.B. de C.V
MX:RA |
Banks - Regional | 0.00% |
Annual Asset Resilience Ratio for Finwise Bancorp (2021–2025)
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