Financial Institutions Inc - Asset Resilience Ratio
Financial Institutions Inc (FISI) has an Asset Resilience Ratio of 16.25% 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. Read how much debt does Financial Institutions Inc carry for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how Financial Institutions Inc's Asset Resilience Ratio has changed over time. See what is Financial Institutions Inc's book value for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down Financial Institutions 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 FISI stock market capitalisation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $922.47 Million | 16.25% |
| Total Liquid Assets | $922.47 Million | 16.25% |
Asset Resilience Insights
- Good Liquidity Position: Financial Institutions Inc maintains a healthy 16.25% of assets in liquid form.
- This level provides good financial flexibility while maintaining productive asset deployment.
- The company has significant short-term investments, indicating active treasury management.
Financial Institutions Inc Industry Peers by Asset Resilience Ratio
Compare Financial Institutions Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Hong Leong Bank Bhd
KLSE:5819 |
Banks - Regional | -6.27% |
|
First Merchants Corporation
NASDAQ:FRME |
Banks - Regional | 7.40% |
|
TF Bank AB
ST:TFBANK |
Banks - Regional | -0.15% |
|
Banco do Estado do Rio Grande do Sul S.A
SA:BRSR3 |
Banks - Regional | 0.00% |
|
Caisse Regionale de Credit Agricole Mutuel d’IlleetVilaine SC
PA:CIV |
Banks - Regional | -6.94% |
|
Blue Foundry Bancorp
NASDAQ:BLFY |
Banks - Regional | 12.71% |
|
Banco Alfa de Investimento S.A
SA:BRIV3 |
Banks - Regional | 0.53% |
|
Caisse Regionale de Credit Agricole Mutuel Loire HauteLoire
PA:CRLO |
Banks - Regional | 2021.38% |
Annual Asset Resilience Ratio for Financial Institutions Inc (2000–2025)
The table below shows the annual Asset Resilience Ratio data for Financial Institutions Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 14.70% | $922.47 Million | $6.27 Billion | +14.70pp |
| 2024-12-31 | 0.00% | $8.00K | $6.12 Billion | -14.41pp |
| 2023-12-31 | 14.41% | $887.73 Million | $6.16 Billion | -2.05pp |
| 2022-12-31 | 16.46% | $954.37 Million | $5.80 Billion | -7.10pp |
| 2021-12-31 | 23.56% | $1.18 Billion | $5.00 Billion | +9.43pp |
| 2020-12-31 | 14.13% | $628.06 Million | $4.45 Billion | +3.49pp |
| 2019-12-31 | 10.63% | $417.92 Million | $3.93 Billion | +0.30pp |
| 2018-12-31 | 10.34% | $445.68 Million | $4.31 Billion | -2.45pp |
| 2017-12-31 | 12.79% | $524.97 Million | $4.11 Billion | -1.76pp |
| 2016-12-31 | 14.55% | $539.93 Million | $3.71 Billion | -1.55pp |
| 2015-12-31 | 16.10% | $544.39 Million | $3.38 Billion | -4.05pp |
| 2014-12-31 | 20.15% | $622.49 Million | $3.09 Billion | -0.66pp |
| 2013-12-31 | 20.81% | $609.40 Million | $2.93 Billion | -9.00pp |
| 2012-12-31 | 29.81% | $823.80 Million | $2.76 Billion | +2.95pp |
| 2011-12-31 | 26.86% | $627.52 Million | $2.34 Billion | -3.90pp |
| 2010-12-31 | 30.76% | $681.11 Million | $2.21 Billion | +2.61pp |
| 2009-12-31 | 28.15% | $580.50 Million | $2.06 Billion | -0.41pp |
| 2008-12-31 | 28.56% | $547.51 Million | $1.92 Billion | -8.86pp |
| 2007-12-31 | 37.42% | $695.24 Million | $1.86 Billion | -1.12pp |
| 2006-12-31 | 38.54% | $735.15 Million | $1.91 Billion | -0.57pp |
| 2005-12-31 | 39.10% | $790.86 Million | $2.02 Billion | +5.85pp |
| 2004-12-31 | 33.26% | $717.18 Million | $2.16 Billion | +31.42pp |
| 2003-12-31 | 1.84% | $40.01 Million | $2.17 Billion | +1.78pp |
| 2001-12-31 | 0.06% | $1.00 Million | $1.79 Billion | -0.03pp |
| 2000-12-31 | 0.09% | $1.10 Million | $1.29 Billion | -- |
About Financial Institutions Inc
Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts. It also offers com… Read more