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 how liquid is MetroCity Bankshares's working capital to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2015–2025)
This chart shows how MetroCity Bankshares's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see MCBS current and non-current assets.
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. Explore MCBS long-term asset investment ratio 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 | $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 |
|---|---|---|
|
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 MetroCity Bankshares (2015–2025)
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