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. Read how much debt does Generations Bancorp NY Inc carry for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2019–2023)
This chart shows how Generations Bancorp NY Inc's Asset Resilience Ratio has changed over time. See what is Generations Bancorp NY Inc's book value for net asset value and shareholders' equity analysis.
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 market capitalisation and broader financial context, see GBNY market cap.
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 |
|---|---|---|
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
VersaBank
TO:VBNK |
Banks - Regional | 1.65% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
|
RMB Holdings Ltd
JSE:RMH |
Banks - Regional | 20.83% |
|
Bank Tabungan Pensiunan Nasional Syariah PT
JK:BTPS |
Banks - Regional | 44.92% |
|
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% |
Annual Asset Resilience Ratio for Generations Bancorp NY Inc (2019–2023)
The table below shows the annual Asset Resilience Ratio data for Generations Bancorp NY Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 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