First Merchants Corporation - Asset Resilience Ratio
First Merchants Corporation (FRME) has an Asset Resilience Ratio of 7.40% 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.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how First Merchants Corporation's Asset Resilience Ratio has changed over time. Check First Merchants Corporation strategic capital allocation to assess the company's strategic physical and investment asset allocation.
Liquid Assets Composition Over Time
This chart breaks down First Merchants Corporation'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 market value of First Merchants Corporation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $1.41 Billion | 7.4% |
| Total Liquid Assets | $1.41 Billion | 7.40% |
Asset Resilience Insights
- Limited Liquidity: First Merchants Corporation maintains only 7.40% 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 Merchants Corporation Industry Peers by Asset Resilience Ratio
Compare First Merchants Corporation's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Commerzbank AG
F:ZZMS |
Banks - Regional | 12.20% |
|
Bank of Shanghai Co Ltd
SHG:601229 |
Banks - Regional | -17.10% |
|
Hua Xia Bank Co Ltd
SHG:600015 |
Banks - Regional | 4.86% |
|
Banco de Chile
F:G4RA |
Banks - Regional | 6.38% |
|
Industrial Bank Co Ltd
SHG:601166 |
Banks - Regional | 8.39% |
|
Arion banki hf
ST:ARION-SDB |
Banks - Regional | 0.52% |
|
Dime Community Bancshares, Inc.
NYSE:DCOM |
Banks - Regional | 4.29% |
|
Banco del Bajío S.A. Institución de Banca Múltiple
MX:BBAJIOO |
Banks - Regional | 2.94% |
Annual Asset Resilience Ratio for First Merchants Corporation (2000–2025)
The table below shows the annual Asset Resilience Ratio data for First Merchants Corporation.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 7.40% | $1.41 Billion | $19.03 Billion | -0.18pp |
| 2024-12-31 | 7.57% | $1.39 Billion | $18.31 Billion | -1.27pp |
| 2023-12-31 | 8.84% | $1.63 Billion | $18.41 Billion | -2.18pp |
| 2022-12-31 | 11.02% | $1.98 Billion | $17.94 Billion | -4.15pp |
| 2021-12-31 | 15.17% | $2.34 Billion | $15.45 Billion | +1.53pp |
| 2020-12-31 | 13.64% | $1.92 Billion | $14.07 Billion | -0.73pp |
| 2019-12-31 | 14.37% | $1.79 Billion | $12.46 Billion | +2.81pp |
| 2018-12-31 | 11.56% | $1.14 Billion | $9.88 Billion | +0.88pp |
| 2017-12-31 | 10.67% | $999.95 Million | $9.37 Billion | +1.01pp |
| 2016-12-31 | 9.66% | $696.86 Million | $7.21 Billion | -0.08pp |
| 2015-12-31 | 9.74% | $658.40 Million | $6.76 Billion | +0.30pp |
| 2014-12-31 | 9.44% | $549.54 Million | $5.82 Billion | -0.43pp |
| 2013-12-31 | 9.86% | $536.20 Million | $5.44 Billion | -2.06pp |
| 2012-12-31 | 11.92% | $513.34 Million | $4.30 Billion | -0.50pp |
| 2011-12-31 | 12.42% | $518.49 Million | $4.17 Billion | -0.51pp |
| 2010-12-31 | 12.93% | $539.37 Million | $4.17 Billion | +3.70pp |
| 2009-12-31 | 9.23% | $413.61 Million | $4.48 Billion | +7.03pp |
| 2008-12-31 | 2.20% | $105.06 Million | $4.78 Billion | +1.54pp |
| 2007-12-31 | 0.66% | $24.93 Million | $3.78 Billion | +0.34pp |
| 2006-12-31 | 0.32% | $11.28 Million | $3.55 Billion | +0.05pp |
| 2005-12-31 | 0.27% | $8.75 Million | $3.24 Billion | -0.02pp |
| 2004-12-31 | 0.29% | $9.34 Million | $3.19 Billion | -1.03pp |
| 2003-12-31 | 1.32% | $40.56 Million | $3.08 Billion | +0.01pp |
| 2002-12-31 | 1.31% | $34.97 Million | $2.68 Billion | -0.83pp |
| 2001-12-31 | 2.14% | $38.16 Million | $1.79 Billion | +1.16pp |
| 2000-12-31 | 0.97% | $15.78 Million | $1.62 Billion | -- |
About First Merchants Corporation
First Merchants Corporation operates as the financial holding company for First Merchants Bank that provides commercial and consumer banking services. The company offers a range of financial services, including checking, savings, and deposit products; debit and credit cards; mortgages, refinance, construction or renovation of residential properties, agricultural lending, treasury management servi… Read more