FS Bancorp Inc - Asset Resilience Ratio

Latest as of June 2026: 8.48%

FS Bancorp Inc (FSBW) has an Asset Resilience Ratio of 8.48% 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 FSBW net working capital ratio to evaluate short-term liquidity relative to the company's equity base.

Liquid Assets

$269.46 Million

Cash + Short-term Investments

Total Assets

$3.18 Billion

All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2010–2025)

This chart shows how FS Bancorp Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see FS Bancorp Inc (FSBW) total assets.

Liquid Assets Composition Over Time

This chart breaks down FS Bancorp Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore FS Bancorp Inc (FSBW) investment intensity to see how much of total assets are deployed in long-term investments.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$269.46 Million	8.48%
Total Liquid Assets	$269.46 Million	8.48%

Asset Resilience Insights

Limited Liquidity: FS Bancorp Inc maintains only 8.48% 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.

FS Bancorp Inc Industry Peers by Asset Resilience Ratio

Compare FS Bancorp Inc's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Santander Bank Polska S.A. WAR:SPL	Banks - Regional	4.41%
Banco Santander Chile NYSE:BSAC	Banks - Regional	7.94%
Bank of Baroda NSE:BANKBARODA	Banks - Regional	-12.63%
Turkiye Is Bankasi AS Class C IS:ISCTR	Banks - Regional	-38.78%
Ringkjoebing Landbobank A/S CO:RILBA	Banks - Regional	0.03%
ABSA Bank Limited JSE:ABSP	Banks - Regional	2.72%
Mechanics Bank NASDAQ:MCHB	Banks - Regional	18.39%
Laurentian Bank Of Canada TO:LB	Banks - Regional	0.55%

Annual Asset Resilience Ratio for FS Bancorp Inc (2010–2025)

The table below shows the annual Asset Resilience Ratio data for FS Bancorp Inc.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	9.03%	$288.67 Million	$3.20 Billion	+3.50pp
2024-12-31	5.53%	$167.39 Million	$3.03 Billion	+2.01pp
2023-12-31	3.51%	$104.36 Million	$2.97 Billion	-5.20pp
2022-12-31	8.71%	$229.25 Million	$2.63 Billion	-3.16pp
2021-12-31	11.87%	$271.36 Million	$2.29 Billion	+3.44pp
2020-12-31	8.42%	$178.02 Million	$2.11 Billion	+1.07pp
2019-12-31	7.36%	$126.06 Million	$1.71 Billion	+1.36pp
2018-12-31	5.99%	$97.20 Million	$1.62 Billion	-2.41pp
2017-12-31	8.40%	$82.48 Million	$981.78 Million	-1.49pp
2016-12-31	9.89%	$81.88 Million	$827.93 Million	+1.74pp
2015-12-31	8.15%	$55.22 Million	$677.56 Million	-1.41pp
2014-12-31	9.56%	$48.74 Million	$509.75 Million	-3.85pp
2013-12-31	13.42%	$56.24 Million	$419.19 Million	+1.35pp
2012-12-31	12.06%	$43.31 Million	$359.03 Million	+2.59pp
2011-12-31	9.48%	$26.90 Million	$283.79 Million	-1.87pp
2010-12-31	11.35%	$33.18 Million	$292.33 Million	--

pp = percentage points

About FS Bancorp Inc

NASDAQ:FSBW USA Banks - Regional

Market Cap

$349.63 Million

Market Cap Rank

#14281 Global

#3408 in USA

Share Price

$44.47

Change (1 day)

-0.02%

52-Week Range

$37.04 - $45.27

All Time High

$48.82