Independent Bank Asset Resilience Ratio
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 days of operational coverage to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of Independent Bank (2001–2025)
Asset resilience ratio of Independent Bank from 2001 to 2025. This chart shows how Independent Bank's Asset Resilience Ratio has changed over time. Read INDB current and long-term liabilities for a breakdown of total debt and financial obligations.
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 the complete balance sheet picture, see Independent Bank asset portfolio.
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 |
|---|---|---|
|
Societe Generale S.A.
PA:GLE |
Banks - Regional | 11.25% |
|
CIMB Group Holdings Bhd
KLSE:1023 |
Banks - Regional | 1.96% |
|
WOORI FIN. GRP SP.ADR/3
F:2WGA |
Banks - Regional | 13.88% |
|
Bank of Queensland Ltd
AU:BOQ |
Banks - Regional | 0.21% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Graubuendner Kantonalbank
SW:GRKP |
Banks - Regional | -38.39% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Bank Multiarta Sentosa PT
JK:MASB |
Banks - Regional | 1.29% |
Independent Bank Asset Resilience Ratio by Year (2001–2025)
Independent Bank asset resilience ratio by year from 2001 to 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