MetroCity Bankshares Asset Resilience Ratio
MetroCity Bankshares asset resilience ratio. MetroCity Bankshares (MCBS) has an Asset Resilience Ratio of 0.58% 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 MCBS defensive asset coverage days to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of MetroCity Bankshares (2015–2025)
Asset resilience ratio of MetroCity Bankshares from 2015 to 2025. This chart shows how MetroCity Bankshares's Asset Resilience Ratio has changed over time. Read debt load of MetroCity Bankshares for a breakdown of total debt and financial obligations.
Liquid Assets Composition Over Time
This chart breaks down MetroCity Bankshares'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 MetroCity Bankshares (MCBS) total assets.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $26.18 Million | 0.58% |
| Total Liquid Assets | $26.18 Million | 0.58% |
Asset Resilience Insights
- Limited Liquidity: MetroCity Bankshares maintains only 0.58% 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.
MetroCity Bankshares Industry Peers by Asset Resilience Ratio
Compare MetroCity Bankshares'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% |
|
Itau Unibanco Banco Holding SA
NYSE:ITUB |
Banks - Regional | 3.55% |
|
Spar Nord Bank
CO:SPNO |
Banks - Regional | -3.96% |
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank Ina Perdana PT
JK:BINA |
Banks - Regional | -30.89% |
|
Bank Rakyat Indonesia Agroniaga
JK:AGRO |
Banks - Regional | 8.38% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
MetroCity Bankshares Asset Resilience Ratio by Year (2015–2025)
MetroCity Bankshares asset resilience ratio by year from 2015 to 2025. The table below shows the annual Asset Resilience Ratio data for MetroCity Bankshares.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 0.99% | $47.18 Million | $4.77 Billion | +0.51pp |
| 2024-12-31 | 0.48% | $17.39 Million | $3.59 Billion | -0.04pp |
| 2023-12-31 | 0.53% | $18.49 Million | $3.50 Billion | -0.03pp |
| 2022-12-31 | 0.56% | $19.25 Million | $3.43 Billion | -0.27pp |
| 2021-12-31 | 0.83% | $25.73 Million | $3.11 Billion | -0.13pp |
| 2020-12-31 | 0.95% | $18.12 Million | $1.90 Billion | -0.01pp |
| 2019-12-31 | 0.96% | $15.70 Million | $1.63 Billion | -0.36pp |
| 2018-12-31 | 1.32% | $18.89 Million | $1.43 Billion | -0.31pp |
| 2017-12-31 | 1.63% | $21.05 Million | $1.29 Billion | -0.90pp |
| 2016-12-31 | 2.54% | $27.90 Million | $1.10 Billion | -1.94pp |
| 2015-12-31 | 4.48% | $30.08 Million | $671.38 Million | -- |
About MetroCity Bankshares
MetroCity Bankshares, Inc. operates as the bank holding company for Metro City Bank that provides banking products and services in the United States. The company offers customary banking services, such as consumer and commercial checking, savings, and money market accounts, as well as certificates of deposit. It also provides commercial and consumer loans, including single family residential loan… Read more