Generations Bancorp NY Inc Asset Resilience Ratio
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 Generations Bancorp NY Inc defensive interval ratio to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of Generations Bancorp NY Inc (2019–2025)
Asset resilience ratio of Generations Bancorp NY Inc from 2019 to 2025. This chart shows how Generations Bancorp NY Inc's Asset Resilience Ratio has changed over time. Read Generations Bancorp NY Inc (GBNY) financial obligations for a breakdown of total debt and financial obligations.
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. For the complete balance sheet picture, see how large is Generations Bancorp NY Inc's balance sheet.
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 |
|---|---|---|
|
Commerzbank AG
XETRA:CBK |
Banks - Regional | 5.22% |
|
CIMB Group Holdings Bhd
KLSE:1023 |
Banks - Regional | 1.96% |
|
BNK Banking Corporation Ltd
AU:BBC |
Banks - Regional | 8.96% |
|
Banco Bradesco DRC
BA:BBD |
Banks - Regional | 4.82% |
|
Grupo Financiero Galicia S.A.
BA:GGAL |
Banks - Regional | 8.18% |
|
Banco Macro SA B
BA:BMA |
Banks - Regional | 0.55% |
|
BBVA Banco Frances SA
BA:BBAR |
Banks - Regional | 7.45% |
|
Banco Patagonia
BA:BPAT |
Banks - Regional | 0.44% |
Generations Bancorp NY Inc Asset Resilience Ratio by Year (2019–2025)
Generations Bancorp NY Inc asset resilience ratio by year from 2019 to 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