Independent Bank - Asset Resilience Ratio
Independent Bank (INDB) has an Asset Resilience Ratio of 1.79% 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 INDB 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 (2001–2025)
This chart shows how Independent Bank's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see Independent Bank asset portfolio.
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. Explore Independent Bank long-term investment allocation 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 | $447.13 Million | 1.79% |
| Total Liquid Assets | $447.13 Million | 1.79% |
Asset Resilience Insights
- Limited Liquidity: Independent Bank maintains only 1.79% 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 |
|---|---|---|
|
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 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