Mechanics Bank Asset Resilience Ratio

Latest as of March 2026: 18.39%

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. See operational self-sufficiency of Mechanics Bank to measure how many days the company can operate on defensive assets alone.

Liquid Assets

$3.93 Billion

Cash + Short-term Investments

Total Assets

$21.39 Billion

All company assets

Resilience Assessment

Good

Financial Resilience Level

Asset Resilience Ratio of Mechanics Bank (2000–2025)

Asset resilience ratio of Mechanics Bank from 2000 to 2025. This chart shows how Mechanics Bank's Asset Resilience Ratio has changed over time. Read debt load of Mechanics Bank for a breakdown of total debt and financial obligations.

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 the complete balance sheet picture, see Mechanics Bank total assets.

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
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%

Mechanics Bank Asset Resilience Ratio by Year (2000–2025)

Mechanics Bank asset resilience ratio by year from 2000 to 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	--

pp = percentage points

About Mechanics Bank

NASDAQ:MCHB USA Banks - Regional

Market Cap

$3.31 Billion

Market Cap Rank

#4520 Global

#1577 in USA

Share Price

$15.03

Change (1 day)

+1.90%

52-Week Range

$14.20 - $17.17

All Time High

$17.17