Franklin Financial Services Corp - Asset Resilience Ratio
Franklin Financial Services Corp (FRAF) has an Asset Resilience Ratio of 4.51% 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 Franklin Financial Services Corp (FRAF) total liabilities 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 Franklin Financial Services Corp's Asset Resilience Ratio has changed over time. See FRAF total equity for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down Franklin Financial Services Corp'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 FRAF company net worth.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $101.09 Million | 4.51% |
| Total Liquid Assets | $101.09 Million | 4.51% |
Asset Resilience Insights
- Limited Liquidity: Franklin Financial Services Corp maintains only 4.51% 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.
Franklin Financial Services Corp Industry Peers by Asset Resilience Ratio
Compare Franklin Financial Services Corp'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 Franklin Financial Services Corp (2000–2025)
The table below shows the annual Asset Resilience Ratio data for Franklin Financial Services Corp.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 4.51% | $101.09 Million | $2.24 Billion | -10.00pp |
| 2024-12-31 | 14.51% | $318.99 Million | $2.20 Billion | -11.22pp |
| 2023-12-31 | 25.73% | $472.50 Million | $1.84 Billion | -2.91pp |
| 2022-12-31 | 28.64% | $486.84 Million | $1.70 Billion | -1.22pp |
| 2021-12-31 | 29.87% | $529.81 Million | $1.77 Billion | +4.01pp |
| 2020-12-31 | 25.86% | $396.94 Million | $1.54 Billion | +11.09pp |
| 2019-12-31 | 14.77% | $187.43 Million | $1.27 Billion | +3.90pp |
| 2018-12-31 | 10.87% | $131.47 Million | $1.21 Billion | +0.11pp |
| 2017-12-31 | 10.76% | $126.97 Million | $1.18 Billion | -2.00pp |
| 2016-12-31 | 12.76% | $143.88 Million | $1.13 Billion | -2.64pp |
| 2015-12-31 | 15.40% | $159.47 Million | $1.04 Billion | -1.75pp |
| 2014-12-31 | 17.15% | $171.75 Million | $1.00 Billion | +0.93pp |
| 2013-12-31 | 16.22% | $159.67 Million | $984.59 Million | +3.24pp |
| 2012-12-31 | 12.98% | $133.33 Million | $1.03 Billion | +0.32pp |
| 2011-12-31 | 12.65% | $125.30 Million | $990.25 Million | +0.30pp |
| 2010-12-31 | 12.36% | $117.62 Million | $951.89 Million | -2.27pp |
| 2009-12-31 | 14.63% | $143.29 Million | $979.37 Million | -1.72pp |
| 2008-12-31 | 16.35% | $147.56 Million | $902.46 Million | -3.76pp |
| 2007-12-31 | 20.11% | $164.99 Million | $820.37 Million | -3.58pp |
| 2006-12-31 | 23.69% | $189.34 Million | $799.33 Million | -2.72pp |
| 2005-12-31 | 26.40% | $164.06 Million | $621.36 Million | -2.47pp |
| 2004-12-31 | 28.88% | $162.66 Million | $563.27 Million | +0.98pp |
| 2003-12-31 | 27.90% | $153.38 Million | $549.70 Million | -3.33pp |
| 2002-12-31 | 31.23% | $166.27 Million | $532.36 Million | +1.58pp |
| 2001-12-31 | 29.66% | $147.94 Million | $498.85 Million | +29.09pp |
| 2000-12-31 | 0.57% | $2.65 Million | $465.99 Million | -- |
About Franklin Financial Services Corp
Franklin Financial Services Corporation operates as the bank holding company for Farmers and Merchants Trust Company of Chambersburg that provides banking services to businesses, individuals, and governmental entities in Pennsylvania. It offers various deposit products, including demand deposits, savings, money management accounts, time deposits, and certificates of deposits. The company also pro… Read more