Isabella Bank Corporation - Asset Resilience Ratio

Latest as of June 2026: 19.79%

Isabella Bank Corporation (ISBA) has an Asset Resilience Ratio of 19.79% 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 Isabella Bank Corporation (ISBA) liquidity to equity ratio to evaluate short-term liquidity relative to the company's equity base.

Liquid Assets

$439.29 Million

Cash + Short-term Investments

Total Assets

$2.22 Billion

All company assets

Resilience Assessment

Good

Financial Resilience Level

Asset Resilience Ratio Trend (2009–2025)

This chart shows how Isabella Bank Corporation's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see ISBA total assets.

Liquid Assets Composition Over Time

This chart breaks down Isabella Bank Corporation's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore Isabella Bank Corporation long-term investment intensity 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	$439.29 Million	19.79%
Total Liquid Assets	$439.29 Million	19.79%

Asset Resilience Insights

Good Liquidity Position: Isabella Bank Corporation maintains a healthy 19.79% of assets in liquid form.
This level provides good financial flexibility while maintaining productive asset deployment.
The company has significant short-term investments, indicating active treasury management.

Isabella Bank Corporation Industry Peers by Asset Resilience Ratio

Compare Isabella Bank Corporation'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 Isabella Bank Corporation (2009–2025)

The table below shows the annual Asset Resilience Ratio data for Isabella Bank Corporation.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	9.09%	$200.81 Million	$2.21 Billion	-1.86pp
2024-12-31	10.95%	$228.49 Million	$2.09 Billion	-14.70pp
2023-12-31	25.65%	$528.15 Million	$2.06 Billion	-2.94pp
2022-12-31	28.59%	$580.48 Million	$2.03 Billion	+4.45pp
2021-12-31	24.14%	$490.60 Million	$2.03 Billion	+6.81pp
2020-12-31	17.33%	$339.23 Million	$1.96 Billion	-6.36pp
2019-12-31	23.69%	$429.84 Million	$1.81 Billion	-3.24pp
2018-12-31	26.93%	$494.83 Million	$1.84 Billion	-3.53pp
2017-12-31	30.46%	$552.31 Million	$1.81 Billion	-1.76pp
2016-12-31	32.22%	$558.10 Million	$1.73 Billion	-7.35pp
2015-12-31	39.57%	$660.14 Million	$1.67 Billion	+2.95pp
2014-12-31	36.63%	$567.53 Million	$1.55 Billion	+2.33pp
2013-12-31	34.29%	$512.06 Million	$1.49 Billion	-0.94pp
2012-12-31	35.23%	$504.01 Million	$1.43 Billion	+3.46pp
2011-12-31	31.77%	$425.12 Million	$1.34 Billion	+30.39pp
2010-12-31	1.38%	$16.94 Million	$1.23 Billion	+0.76pp
2009-12-31	0.63%	$7.16 Million	$1.14 Billion	--

pp = percentage points

About Isabella Bank Corporation

NASDAQ:ISBA USA Banks - Regional

Market Cap

$290.74 Million

Market Cap Rank

#15054 Global

#3558 in USA

Share Price

$38.11

Change (1 day)

-3.27%

52-Week Range

$36.81 - $43.24

All Time High

$43.24