First Bancorp Inc - Asset Resilience Ratio

Latest as of December 2025: 8.35%

First Bancorp Inc (FNLC) has an Asset Resilience Ratio of 8.35% 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. Check FNLC capital-intensive asset ratio to assess the company's strategic physical and investment asset allocation.

Liquid Assets

$264.48 Million

Cash + Short-term Investments

Total Assets

$3.17 Billion

All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2002–2025)

This chart shows how First Bancorp Inc's Asset Resilience Ratio has changed over time. See FNLC equity to assets ratio to measure how much of total assets are equity-financed.

Liquid Assets Composition Over Time

This chart breaks down First Bancorp 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 FNLC market cap.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$264.48 Million	8.35%
Total Liquid Assets	$264.48 Million	8.35%

Asset Resilience Insights

Limited Liquidity: First Bancorp Inc maintains only 8.35% 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 Bancorp Inc Industry Peers by Asset Resilience Ratio

Compare First Bancorp Inc's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
BNP Paribas SA PA:BNP	Banks - Regional	17.67%
CIMB Group Holdings Bhd KLSE:1023	Banks - Regional	1.96%
Hua Xia Bank Co Ltd SHG:600015	Banks - Regional	4.86%
Grupo Security SN:SECURITY	Banks - Regional	0.15%
Bank Mestika Dharma Tbk JK:BBMD	Banks - Regional	-6.51%
Bank Multiarta Sentosa PT JK:MASB	Banks - Regional	1.29%
Bank Ochrony Środowiska SA WAR:BOS	Banks - Regional	8.84%
Bank Capital Indonesia Tbk JK:BACA	Banks - Regional	-22.83%

Annual Asset Resilience Ratio for First Bancorp Inc (2002–2025)

The table below shows the annual Asset Resilience Ratio data for First Bancorp Inc.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	8.35%	$264.48 Million	$3.17 Billion	-0.35pp
2024-12-31	8.70%	$274.68 Million	$3.16 Billion	-0.87pp
2023-12-31	9.57%	$282.05 Million	$2.95 Billion	-0.81pp
2022-12-31	10.39%	$284.51 Million	$2.74 Billion	-2.30pp
2021-12-31	12.69%	$320.57 Million	$2.53 Billion	-0.59pp
2020-12-31	13.27%	$313.38 Million	$2.36 Billion	-4.15pp
2019-12-31	17.43%	$360.52 Million	$2.07 Billion	+1.11pp
2018-12-31	16.31%	$317.42 Million	$1.95 Billion	+0.19pp
2017-12-31	16.13%	$297.20 Million	$1.84 Billion	-1.41pp
2016-12-31	17.54%	$300.42 Million	$1.71 Billion	+3.29pp
2015-12-31	14.25%	$223.04 Million	$1.56 Billion	+1.75pp
2014-12-31	12.50%	$185.26 Million	$1.48 Billion	-8.39pp
2013-12-31	20.89%	$305.82 Million	$1.46 Billion	+0.29pp
2012-12-31	20.60%	$291.61 Million	$1.42 Billion	-0.24pp
2011-12-31	20.85%	$286.20 Million	$1.37 Billion	+8.07pp
2010-12-31	12.78%	$178.12 Million	$1.39 Billion	+10.60pp
2009-12-31	2.18%	$29.04 Million	$1.33 Billion	-0.65pp
2008-12-31	2.83%	$37.51 Million	$1.33 Billion	+3.77pp
2007-12-31	-0.94%	$-11.45 Million	$1.22 Billion	-1.30pp
2004-12-31	0.36%	$2.31 Million	$634.24 Million	-1.52pp
2002-12-31	1.89%	$9.32 Million	$494.07 Million	--

pp = percentage points

About First Bancorp Inc

NASDAQ:FNLC USA Banks - Regional

Market Cap

$337.10 Million

Market Cap Rank

#14377 Global

#3374 in USA

Share Price

$29.91

Change (1 day)

-1.12%

52-Week Range

$23.83 - $30.80

All Time High

$31.02