First Merchants Corporation Asset Resilience Ratio
First Merchants Corporation asset resilience ratio. First Merchants Corporation (FRME) has an Asset Resilience Ratio of 15.42% as of June 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. See how many days can First Merchants Corporation fund operations to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of First Merchants Corporation (2000–2025)
Asset resilience ratio of First Merchants Corporation from 2000 to 2025. This chart shows how First Merchants Corporation's Asset Resilience Ratio has changed over time. Read FRME total debt and obligations for a breakdown of total debt and financial obligations.
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 the complete balance sheet picture, see FRME asset base.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $3.29 Billion | 15.42% |
| Total Liquid Assets | $3.29 Billion | 15.42% |
Asset Resilience Insights
- Good Liquidity Position: First Merchants Corporation maintains a healthy 15.42% 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.
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 |
|---|---|---|
|
Societe Generale S.A.
PA:GLE |
Banks - Regional | 11.25% |
|
Itau Unibanco Banco Holding SA
NYSE:ITUB |
Banks - Regional | 3.55% |
|
Spar Nord Bank
CO:SPNO |
Banks - Regional | -3.96% |
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank Ina Perdana PT
JK:BINA |
Banks - Regional | -30.89% |
|
Bank Rakyat Indonesia Agroniaga
JK:AGRO |
Banks - Regional | 8.38% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
First Merchants Corporation Asset Resilience Ratio by Year (2000–2025)
First Merchants Corporation asset resilience ratio by year from 2000 to 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