Independent Bank - Asset Resilience Ratio
Independent Bank (INDB) has an Asset Resilience Ratio of 0.02% as of December 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. Check Independent Bank strategic capital allocation to assess the company's strategic physical and investment asset allocation.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2001–2025)
This chart shows how Independent Bank's Asset Resilience Ratio has changed over time. See how leveraged is Independent Bank's balance sheet to measure how much of total assets are equity-financed.
Liquid Assets Composition Over Time
This chart breaks down Independent Bank'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 Independent Bank market cap and net worth.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $4.72 Million | 0.02% |
| Total Liquid Assets | $4.72 Million | 0.02% |
Asset Resilience Insights
- Limited Liquidity: Independent Bank maintains only 0.02% 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.
Independent Bank Industry Peers by Asset Resilience Ratio
Compare Independent Bank's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Kreditbanken A/S
CO:KRE |
Banks - Regional | 0.05% |
|
Nu Holdings Ltd
NYSE:NU |
Banks - Regional | 1.52% |
|
Commerzbank AG
XETRA:CBK |
Banks - Regional | 5.22% |
|
Bank Mandiri Persero Tbk PT
JK:BMRI |
Banks - Regional | -0.12% |
|
Axos Financial Inc
NYSE:AX |
Banks - Regional | 0.21% |
|
Bank of Nanjing Co Ltd
SHG:601009 |
Banks - Regional | -5.31% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
King’s Town Bank
TW:2809 |
Banks - Regional | -9.61% |
Annual Asset Resilience Ratio for Independent Bank (2001–2025)
The table below shows the annual Asset Resilience Ratio data for Independent Bank.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 0.02% | $4.72 Million | $24.91 Billion | -0.74pp |
| 2024-12-31 | 0.76% | $147.27 Million | $19.37 Billion | -6.14pp |
| 2023-12-31 | 6.90% | $1.33 Billion | $19.35 Billion | -0.36pp |
| 2022-12-31 | 7.25% | $1.40 Billion | $19.29 Billion | -0.44pp |
| 2021-12-31 | 7.69% | $1.57 Billion | $20.42 Billion | +4.57pp |
| 2020-12-31 | 3.13% | $412.86 Million | $13.20 Billion | -0.62pp |
| 2019-12-31 | 3.74% | $426.42 Million | $11.40 Billion | -1.26pp |
| 2018-12-31 | 5.00% | $442.75 Million | $8.85 Billion | -0.54pp |
| 2017-12-31 | 5.54% | $447.50 Million | $8.08 Billion | +0.82pp |
| 2016-12-31 | 4.72% | $363.64 Million | $7.71 Billion | -0.38pp |
| 2015-12-31 | 5.09% | $367.25 Million | $7.21 Billion | -0.38pp |
| 2014-12-31 | 5.48% | $348.55 Million | $6.36 Billion | -0.37pp |
| 2013-12-31 | 5.85% | $356.86 Million | $6.10 Billion | +0.13pp |
| 2012-12-31 | 5.72% | $329.29 Million | $5.76 Billion | -0.42pp |
| 2011-12-31 | 6.14% | $305.33 Million | $4.97 Billion | -1.90pp |
| 2010-12-31 | 8.04% | $377.46 Million | $4.70 Billion | -3.31pp |
| 2009-12-31 | 11.35% | $508.65 Million | $4.48 Billion | +11.35pp |
| 2008-12-31 | 0.00% | $100.00K | $3.63 Billion | -16.04pp |
| 2007-12-31 | 16.05% | $444.26 Million | $2.77 Billion | +13.38pp |
| 2006-12-31 | 2.67% | $75.52 Million | $2.83 Billion | +0.58pp |
| 2005-12-31 | 2.09% | $63.66 Million | $3.04 Billion | +2.00pp |
| 2004-12-31 | 0.09% | $2.73 Million | $2.94 Billion | -21.56pp |
| 2003-12-31 | 21.65% | $527.51 Million | $2.44 Billion | +21.51pp |
| 2002-12-31 | 0.14% | $3.17 Million | $2.29 Billion | -0.13pp |
| 2001-12-31 | 0.27% | $6.00 Million | $2.20 Billion | -- |
About Independent Bank
Independent Bank Corp. operates as the bank holding company for Rockland Trust Company that provides commercial banking products and services to individuals and small-to-medium sized businesses in the United States. It provides interest checking, money market, and savings accounts, as well as demand deposits and time certificates of deposit. The company also offers commercial real estate and cons… Read more