Merchants Bancorp - Asset Resilience Ratio
Merchants Bancorp (MBIN) has an Asset Resilience Ratio of 3.36% 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.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2015–2024)
This chart shows how Merchants Bancorp's Asset Resilience Ratio has changed over time. Check MBIN capital-intensive asset ratio to assess the company's strategic physical and investment asset allocation.
Liquid Assets Composition Over Time
This chart breaks down Merchants Bancorp'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 Merchants Bancorp (MBIN) market capitalisation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $650.37 Million | 3.36% |
| Total Liquid Assets | $650.37 Million | 3.36% |
Asset Resilience Insights
- Limited Liquidity: Merchants Bancorp maintains only 3.36% 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.
Merchants Bancorp Industry Peers by Asset Resilience Ratio
Compare Merchants Bancorp's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Deutsche Bank Aktiengesellschaft
F:DBK |
Banks - Regional | 3.17% |
|
Regions Financial Corporation
NYSE:RF |
Banks - Regional | 17.06% |
|
Bank of Hangzhou Co Ltd
SHG:600926 |
Banks - Regional | 7.20% |
|
Banco Santander Chile
SN:BSANTANDER |
Banks - Regional | 6.33% |
|
Grupo Financiero Inbursa S.A.B. de C.V
MX:GFINBURO |
Banks - Regional | 2.07% |
|
Synovus Financial Corp
NYSE:SNV |
Banks - Regional | 4.05% |
|
Bank of Queensland Ltd
AU:BOQ |
Banks - Regional | 0.21% |
|
Regional S.A.B. de C.V
MX:RA |
Banks - Regional | 0.00% |
Annual Asset Resilience Ratio for Merchants Bancorp (2015–2024)
The table below shows the annual Asset Resilience Ratio data for Merchants Bancorp.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 0.48% | $90.01 Million | $18.81 Billion | -6.09pp |
| 2023-12-31 | 6.57% | $1.11 Billion | $16.95 Billion | +4.01pp |
| 2022-12-31 | 2.56% | $323.34 Million | $12.62 Billion | -0.19pp |
| 2021-12-31 | 2.75% | $310.63 Million | $11.28 Billion | -0.04pp |
| 2020-12-31 | 2.80% | $269.80 Million | $9.65 Billion | -1.76pp |
| 2019-12-31 | 4.56% | $290.24 Million | $6.37 Billion | -3.97pp |
| 2018-12-31 | 8.52% | $331.07 Million | $3.88 Billion | -3.50pp |
| 2017-12-31 | 12.03% | $408.37 Million | $3.40 Billion | +0.04pp |
| 2016-12-31 | 11.99% | $325.87 Million | $2.72 Billion | +0.77pp |
| 2015-12-31 | 11.21% | $254.46 Million | $2.27 Billion | -- |
About Merchants Bancorp
Merchants Bancorp operates as the diversified bank holding company in the United States. It operates through three segments: Multi-family Mortgage Banking, Mortgage Warehousing, and Banking. The Multi-family Mortgage Banking segment engages in the mortgage banking, which originates, and services government sponsored mortgages, including bridge financing products to refinance, acquire, or repositi… Read more