MetroCity Bankshares - Asset Resilience Ratio
MetroCity Bankshares (MCBS) has an Asset Resilience Ratio of 0.99% as of December 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. Read MetroCity Bankshares debt and liabilities for a breakdown of total debt and financial obligations.
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. See MetroCity Bankshares book value and equity for net asset value and shareholders' equity analysis.
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 market capitalisation and broader financial context, see MCBS company net worth.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $47.18 Million | 0.99% |
| Total Liquid Assets | $47.18 Million | 0.99% |
Asset Resilience Insights
- Limited Liquidity: MetroCity Bankshares maintains only 0.99% 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 |
|---|---|---|
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
VersaBank
TO:VBNK |
Banks - Regional | 1.65% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
|
RMB Holdings Ltd
JSE:RMH |
Banks - Regional | 20.83% |
|
Bank Tabungan Pensiunan Nasional Syariah PT
JK:BTPS |
Banks - Regional | 44.92% |
|
Banco Bradesco DRC
BA:BBD |
Banks - Regional | 4.82% |
|
Grupo Financiero Galicia S.A.
BA:GGAL |
Banks - Regional | 8.18% |
|
Banco Macro SA B
BA:BMA |
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 accounts, savings, and money market accounts, as well as certificates of deposit. It also provides commercial and consumer loans, including single family residen… Read more