Five Star Bancorp - Asset Resilience Ratio
Five Star Bancorp (FSBC) has an Asset Resilience Ratio of 0.04% 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.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2016–2025)
This chart shows how Five Star Bancorp's Asset Resilience Ratio has changed over time. Check how strategically is Five Star Bancorp's equity deployed to assess the company's strategic physical and investment asset allocation.
Liquid Assets Composition Over Time
This chart breaks down Five Star Bancorp'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 Five Star Bancorp market capitalisation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $2.22 Million | 0.04% |
| Total Liquid Assets | $2.22 Million | 0.04% |
Asset Resilience Insights
- Limited Liquidity: Five Star Bancorp maintains only 0.04% 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.
Five Star Bancorp Industry Peers by Asset Resilience Ratio
Compare Five Star Bancorp's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Deutsche Bank Aktiengesellschaft
F:DBK |
Banks - Regional | 3.17% |
|
Regions Financial Corporation
NYSE:RF |
Banks - Regional | 17.06% |
|
Bank of Hangzhou Co Ltd
SHG:600926 |
Banks - Regional | 7.20% |
|
Banco Santander Chile
SN:BSANTANDER |
Banks - Regional | 6.33% |
|
Grupo Financiero Inbursa S.A.B. de C.V
MX:GFINBURO |
Banks - Regional | 2.07% |
|
Synovus Financial Corp
NYSE:SNV |
Banks - Regional | 4.05% |
|
Bank of Queensland Ltd
AU:BOQ |
Banks - Regional | 0.21% |
|
Regional S.A.B. de C.V
MX:RA |
Banks - Regional | 0.00% |
Annual Asset Resilience Ratio for Five Star Bancorp (2016–2025)
The table below shows the annual Asset Resilience Ratio data for Five Star Bancorp.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 1.22% | $57.91 Million | $4.75 Billion | -1.20pp |
| 2024-12-31 | 2.42% | $98.19 Million | $4.05 Billion | -0.59pp |
| 2023-12-31 | 3.01% | $108.08 Million | $3.59 Billion | -0.59pp |
| 2022-12-31 | 3.59% | $115.99 Million | $3.23 Billion | -2.23pp |
| 2021-12-31 | 5.82% | $148.81 Million | $2.56 Billion | -0.06pp |
| 2020-12-31 | 5.88% | $114.95 Million | $1.95 Billion | +0.67pp |
| 2019-12-31 | 5.22% | $77.20 Million | $1.48 Billion | -0.37pp |
| 2018-12-31 | 5.58% | $18.33 Million | $328.27 Million | -0.24pp |
| 2017-12-31 | 5.83% | $18.31 Million | $314.38 Million | -0.66pp |
| 2016-12-31 | 6.48% | $17.75 Million | $273.72 Million | -- |
About Five Star Bancorp
Five Star Bancorp operates as the bank holding company for Five Star Bank that provides banking products and services to small and medium-sized businesses, professionals, and individuals primarily in Northern California. The company offers deposit products, including checking, savings, money market, and term certificate accounts, as well as time deposits. It also provides debit cards, remote depo… Read more