Middlefield Banc - Asset Resilience Ratio

Latest as of September 2025: 7.88%

Middlefield Banc (MBCN) has an Asset Resilience Ratio of 7.88% as of September 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 MBCN PP&E to net assets ratio to assess the company's strategic physical and investment asset allocation.

Liquid Assets

$155.85 Million

Cash + Short-term Investments

Total Assets

$1.98 Billion

All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2005–2024)

This chart shows how Middlefield Banc's Asset Resilience Ratio has changed over time. See Middlefield Banc net asset quality index to measure how much of total assets are equity-financed.

Liquid Assets Composition Over Time

This chart breaks down Middlefield Banc'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 Middlefield Banc (MBCN) total market value.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$155.85 Million	7.88%
Total Liquid Assets	$155.85 Million	7.88%

Asset Resilience Insights

Limited Liquidity: Middlefield Banc maintains only 7.88% 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.

Middlefield Banc Industry Peers by Asset Resilience Ratio

Compare Middlefield Banc's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
BNP Paribas SA PA:BNP	Banks - Regional	17.67%
CIMB Group Holdings Bhd KLSE:1023	Banks - Regional	1.96%
Hua Xia Bank Co Ltd SHG:600015	Banks - Regional	4.86%
Grupo Security SN:SECURITY	Banks - Regional	0.15%
Bank Mestika Dharma Tbk JK:BBMD	Banks - Regional	-6.51%
Bank Multiarta Sentosa PT JK:MASB	Banks - Regional	1.29%
Bank Ochrony Środowiska SA WAR:BOS	Banks - Regional	8.84%
Bank Capital Indonesia Tbk JK:BACA	Banks - Regional	-22.83%

Annual Asset Resilience Ratio for Middlefield Banc (2005–2024)

The table below shows the annual Asset Resilience Ratio data for Middlefield Banc.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2024-12-31	8.95%	$165.80 Million	$1.85 Billion	-0.42pp
2023-12-31	9.37%	$170.78 Million	$1.82 Billion	-0.41pp
2022-12-31	9.77%	$164.97 Million	$1.69 Billion	-3.01pp
2021-12-31	12.79%	$170.20 Million	$1.33 Billion	+4.57pp
2020-12-31	8.22%	$114.36 Million	$1.39 Billion	-0.73pp
2019-12-31	8.94%	$105.73 Million	$1.18 Billion	+1.07pp
2018-12-31	7.88%	$98.32 Million	$1.25 Billion	-0.74pp
2017-12-31	8.61%	$95.28 Million	$1.11 Billion	-5.93pp
2016-12-31	14.54%	$114.38 Million	$786.46 Million	-5.39pp
2015-12-31	19.93%	$146.52 Million	$735.14 Million	-2.85pp
2014-12-31	22.78%	$154.33 Million	$677.53 Million	-1.51pp
2013-12-31	24.28%	$157.14 Million	$647.09 Million	-4.73pp
2012-12-31	29.01%	$194.47 Million	$670.29 Million	-0.62pp
2011-12-31	29.64%	$193.98 Million	$654.55 Million	+26.45pp
2010-12-31	3.19%	$20.16 Million	$632.20 Million	-1.87pp
2009-12-31	5.06%	$28.24 Million	$558.66 Million	+3.04pp
2007-12-31	2.01%	$8.74 Million	$434.27 Million	+0.03pp
2006-12-31	1.98%	$6.75 Million	$340.85 Million	+1.81pp
2005-12-31	0.17%	$526.00K	$311.21 Million	--

pp = percentage points

About Middlefield Banc

NASDAQ:MBCN USA Banks - Regional

Market Cap

$272.29 Million

Market Cap Rank

#15407 Global

#3580 in USA

Share Price

$33.67

Change (1 day)

-3.58%

52-Week Range

$27.07 - $37.54

All Time High

$37.54