Franklin Financial Services Corp - Asset Resilience Ratio
Franklin Financial Services Corp (FRAF) has an Asset Resilience Ratio of 19.00% as of March 2026. 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. Explore how much of Franklin Financial Services Corp's assets are long-term investments to see how much of total assets are deployed in long-term investments.
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 Franklin Financial Services Corp (FRAF) liquidity interval to measure how many days the company can operate on defensive assets alone.
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 the complete balance sheet picture, see Franklin Financial Services Corp asset portfolio.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $436.48 Million | 19.0% |
| Total Liquid Assets | $436.48 Million | 19.00% |
Asset Resilience Insights
- Good Liquidity Position: Franklin Financial Services Corp maintains a healthy 19.00% 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.
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 |
|---|---|---|
|
Bank Leumi Le-Israel B.M
TA:LUMI |
Banks - Regional | 1.75% |
|
Grupo Financiero Inbursa S.A.B. de C.V
MX:GFINBURO |
Banks - Regional | 2.07% |
|
Bangkok Bank PCL
BK:BBL |
Banks - Regional | 21.97% |
|
INTERCORP FIN.SERV. O.N.
F:9IFA |
Banks - Regional | 22.42% |
|
Renasant Corporation
NYSE:RNST |
Banks - Regional | 0.04% |
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
Banco del Bajío S.A. Institución de Banca Múltiple
MX:BBAJIOO |
Banks - Regional | 2.94% |
|
Punjab & Sind Bank
NSE:PSB |
Banks - Regional | -9.96% |
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