Mechanics Bank - Asset Resilience Ratio
Mechanics Bank (MCHB) has an Asset Resilience Ratio of 18.39% as of March 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.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how Mechanics Bank's Asset Resilience Ratio has changed over time. Check MCHB PP&E to net assets ratio to assess the company's strategic physical and investment asset allocation.
Liquid Assets Composition Over Time
This chart breaks down Mechanics Bank'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 MCHB market cap overview.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $3.93 Billion | 18.39% |
| Total Liquid Assets | $3.93 Billion | 18.39% |
Asset Resilience Insights
- Good Liquidity Position: Mechanics Bank maintains a healthy 18.39% of assets in liquid form.
- This level provides good financial flexibility while maintaining productive asset deployment.
- The company has significant short-term investments, indicating active treasury management.
Mechanics Bank Industry Peers by Asset Resilience Ratio
Compare Mechanics Bank's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Danske Bank A/S
CO:DANSKE |
Banks - Regional | -5.72% |
|
Bank of Nanjing Co Ltd
SHG:601009 |
Banks - Regional | -5.31% |
|
Bank of Shanghai Co Ltd
SHG:601229 |
Banks - Regional | -17.10% |
|
SCB X Public Company Limited
BK:SCB |
Banks - Regional | 6.49% |
|
TMBThanachart Bank Public Company Limited
F:NVPJ |
Banks - Regional | 10.46% |
|
Ameris Bancorp
NASDAQ:ABCB |
Banks - Regional | 7.87% |
|
Grupo Security
SN:SECURITY |
Banks - Regional | 0.15% |
|
CFM Indosuez Wealth SA
PA:MLCFM |
Banks - Regional | 50.57% |
Annual Asset Resilience Ratio for Mechanics Bank (2000–2025)
The table below shows the annual Asset Resilience Ratio data for Mechanics Bank.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 0.22% | $49.52 Million | $22.47 Billion | -18.32pp |
| 2024-12-31 | 18.54% | $3.07 Billion | $16.53 Billion | +18.28pp |
| 2023-12-31 | 0.26% | $24.70 Million | $9.43 Billion | +0.06pp |
| 2022-12-31 | 0.20% | $19.00 Million | $9.41 Billion | -82.95pp |
| 2021-12-31 | 83.15% | $6.02 Billion | $7.23 Billion | +10.12pp |
| 2020-12-31 | 73.03% | $5.31 Billion | $7.28 Billion | +64.22pp |
| 2019-12-31 | 8.81% | $604.36 Million | $6.86 Billion | +8.18pp |
| 2018-12-31 | 0.63% | $44.39 Million | $7.07 Billion | +0.48pp |
| 2017-12-31 | 0.15% | $9.92 Million | $6.77 Billion | -11.05pp |
| 2016-12-31 | 11.19% | $704.39 Million | $6.29 Billion | -- |
| 2015-12-31 | 0.00% | $0.00 | $4.93 Billion | -- |
| 2014-12-31 | 0.00% | $0.00 | $3.57 Billion | -- |
| 2012-12-31 | 15.59% | $416.33 Million | $2.67 Billion | +1.22pp |
| 2011-12-31 | 14.37% | $329.05 Million | $2.29 Billion | +9.15pp |
| 2002-12-31 | 5.22% | $109.00 Million | $2.09 Billion | +0.37pp |
| 2001-12-31 | 4.85% | $92.00 Million | $1.90 Billion | -2.46pp |
| 2000-12-31 | 7.30% | $127.00 Million | $1.74 Billion | -- |
About Mechanics Bank
Mechanics Bancorp operates as the holding company for Mechanics Bank that provides banking services in California, Oregon, Washington, and Hawaii.It offers various checking and savings accounts, retirement accounts, money market accounts, time certificates of deposit, and safe deposit boxes. The company also provides home loans, auto loans, term loans and lines of credit, owner occupied real esta… Read more