Finward Bancorp - Asset Resilience Ratio
Finward Bancorp (FNWD) has an Asset Resilience Ratio of 15.65% 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 working capital position of Finward Bancorp to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2001–2025)
This chart shows how Finward Bancorp's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see Finward Bancorp total assets.
Liquid Assets Composition Over Time
This chart breaks down Finward Bancorp's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore Finward Bancorp long-term investment allocation to see how much of total assets are deployed in long-term investments.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $316.23 Million | 15.65% |
| Total Liquid Assets | $316.23 Million | 15.65% |
Asset Resilience Insights
- Good Liquidity Position: Finward Bancorp maintains a healthy 15.65% 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.
Finward Bancorp Industry Peers by Asset Resilience Ratio
Compare Finward Bancorp's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Santander Bank Polska S.A.
WAR:SPL |
Banks - Regional | 4.41% |
|
Banco Santander Chile
NYSE:BSAC |
Banks - Regional | 7.94% |
|
Bank of Baroda
NSE:BANKBARODA |
Banks - Regional | -12.63% |
|
Turkiye Is Bankasi AS Class C
IS:ISCTR |
Banks - Regional | -38.78% |
|
Ringkjoebing Landbobank A/S
CO:RILBA |
Banks - Regional | 0.03% |
|
ABSA Bank Limited
JSE:ABSP |
Banks - Regional | 2.72% |
|
Mechanics Bank
NASDAQ:MCHB |
Banks - Regional | 18.39% |
|
Laurentian Bank Of Canada
TO:LB |
Banks - Regional | 0.55% |
Annual Asset Resilience Ratio for Finward Bancorp (2001–2025)
The table below shows the annual Asset Resilience Ratio data for Finward Bancorp.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 15.65% | $316.23 Million | $2.02 Billion | -0.57pp |
| 2024-12-31 | 16.22% | $334.21 Million | $2.06 Billion | -1.42pp |
| 2023-12-31 | 17.63% | $371.79 Million | $2.11 Billion | -0.28pp |
| 2022-12-31 | 17.91% | $370.90 Million | $2.07 Billion | -14.59pp |
| 2021-12-31 | 32.51% | $526.89 Million | $1.62 Billion | +5.06pp |
| 2020-12-31 | 27.45% | $410.67 Million | $1.50 Billion | +6.58pp |
| 2019-12-31 | 20.86% | $277.22 Million | $1.33 Billion | -1.19pp |
| 2018-12-31 | 22.06% | $241.77 Million | $1.10 Billion | -4.31pp |
| 2017-12-31 | 26.37% | $244.49 Million | $927.26 Million | +0.80pp |
| 2016-12-31 | 25.57% | $233.62 Million | $913.63 Million | -1.41pp |
| 2015-12-31 | 26.98% | $233.35 Million | $864.89 Million | -1.41pp |
| 2014-12-31 | 28.39% | $220.05 Million | $775.04 Million | +0.37pp |
| 2013-12-31 | 28.02% | $194.30 Million | $693.45 Million | +0.92pp |
| 2012-12-31 | 27.10% | $187.47 Million | $691.85 Million | -1.59pp |
| 2011-12-31 | 28.69% | $186.96 Million | $651.76 Million | +26.37pp |
| 2010-12-31 | 2.32% | $14.64 Million | $631.05 Million | +1.31pp |
| 2009-12-31 | 1.01% | $6.69 Million | $661.81 Million | +20.07pp |
| 2008-12-31 | -19.06% | $-126.72 Million | $664.73 Million | -18.05pp |
| 2007-12-31 | -1.02% | $-6.39 Million | $628.72 Million | +14.98pp |
| 2006-12-31 | -16.00% | $-99.01 Million | $618.98 Million | -1.64pp |
| 2005-12-31 | -14.36% | $-90.09 Million | $627.44 Million | -0.01pp |
| 2004-12-31 | -14.35% | $-79.98 Million | $557.39 Million | -1.82pp |
| 2003-12-31 | -12.53% | $-63.73 Million | $508.77 Million | +2.73pp |
| 2001-12-31 | -15.26% | $-67.25 Million | $440.71 Million | -- |
About Finward Bancorp
Finward Bancorp operates as the holding company for Peoples Bank that provides various banking products and services. The company's deposit products include non-interest- and interest-bearing demand accounts, savings accounts, money market deposit accounts, certificate accounts, and retirement savings plans. Its loan portfolio comprises residential mortgage loans that enable borrowers to purchase… Read more