Generations Bancorp NY Inc - Asset Resilience Ratio
Generations Bancorp NY Inc (GBNY) has an Asset Resilience Ratio of 6.34% as of March 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. See GBNY working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2019–2025)
This chart shows how Generations Bancorp NY Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see Generations Bancorp NY Inc balance sheet assets.
Liquid Assets Composition Over Time
This chart breaks down Generations Bancorp NY Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore Generations Bancorp NY Inc long-term 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 | $24.36 Million | 6.34% |
| Total Liquid Assets | $24.36 Million | 6.34% |
Asset Resilience Insights
- Limited Liquidity: Generations Bancorp NY Inc maintains only 6.34% 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.
Generations Bancorp NY Inc Industry Peers by Asset Resilience Ratio
Compare Generations Bancorp NY 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 Generations Bancorp NY Inc (2019–2025)
The table below shows the annual Asset Resilience Ratio data for Generations Bancorp NY Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 7.16% | $24.96 Million | $348.81 Million | +0.86pp |
| 2024-12-31 | 6.30% | $24.39 Million | $387.15 Million | -1.08pp |
| 2023-12-31 | 7.37% | $31.30 Million | $424.50 Million | -1.18pp |
| 2022-12-31 | 8.56% | $33.05 Million | $386.29 Million | -1.20pp |
| 2021-12-31 | 9.76% | $36.98 Million | $378.95 Million | +4.96pp |
| 2020-12-31 | 4.80% | $17.93 Million | $373.80 Million | -4.02pp |
| 2019-12-31 | 8.81% | $30.63 Million | $347.55 Million | -- |
About Generations Bancorp NY Inc
Generations Bancorp NY, Inc. operates as a holding company for Generations Bank that engages in the provision of various banking products and services. It accepts various deposit accounts, including demand, NOW, money market, savings, and certificates of deposit accounts. The company provides one- to four-family residential real estate loans, including home equity loans and lines of credit; consu… Read more