Mechanics Bank - Asset Resilience Ratio

Latest as of March 2026: 18.39%

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 Mechanics Bank (MCHB) working capital ratio to evaluate short-term liquidity relative to the company's equity base.

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 Trend (2000–2025)

This chart shows how Mechanics Bank's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see MCHB total asset value.

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. Explore Mechanics Bank long-term investment allocation 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	$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
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%
Laurentian Bank Of Canada TO:LB	Banks - Regional	0.55%
Judo Capital Holdings Ltd AU:JDO	Banks - Regional	10.76%

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	--

pp = percentage points

About Mechanics Bank

NASDAQ:MCHB USA Banks - Regional

Market Cap

$3.38 Billion

Market Cap Rank

#4620 Global

#1566 in USA

Share Price

$15.33

Change (1 day)

-1.16%

52-Week Range

$14.27 - $17.17

All Time High

$17.17