Mainstreet Bank - Asset Resilience Ratio
Mainstreet Bank (MNSB) has an Asset Resilience Ratio of 3.50% 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. Check Mainstreet Bank PP&E and investment ratio to assess the company's strategic physical and investment asset allocation.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2012–2025)
This chart shows how Mainstreet Bank's Asset Resilience Ratio has changed over time. See Mainstreet Bank net asset quality index to measure how much of total assets are equity-financed.
Liquid Assets Composition Over Time
This chart breaks down Mainstreet 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 MNSB market cap.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $77.81 Million | 3.5% |
| Total Liquid Assets | $77.81 Million | 3.50% |
Asset Resilience Insights
- Limited Liquidity: Mainstreet Bank maintains only 3.50% 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.
Mainstreet Bank Industry Peers by Asset Resilience Ratio
Compare Mainstreet Bank's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Kreditbanken A/S
CO:KRE |
Banks - Regional | 0.05% |
|
Nu Holdings Ltd
NYSE:NU |
Banks - Regional | 1.52% |
|
Commerzbank AG
XETRA:CBK |
Banks - Regional | 5.22% |
|
Bank Mandiri Persero Tbk PT
JK:BMRI |
Banks - Regional | -0.12% |
|
Axos Financial Inc
NYSE:AX |
Banks - Regional | 0.21% |
|
Bank of Nanjing Co Ltd
SHG:601009 |
Banks - Regional | -5.31% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
King’s Town Bank
TW:2809 |
Banks - Regional | -9.61% |
Annual Asset Resilience Ratio for Mainstreet Bank (2012–2025)
The table below shows the annual Asset Resilience Ratio data for Mainstreet Bank.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 0.02% | $399.00K | $2.21 Billion | -0.04pp |
| 2024-12-31 | 0.06% | $1.37 Million | $2.23 Billion | -2.88pp |
| 2023-12-31 | 2.94% | $59.93 Million | $2.04 Billion | -0.31pp |
| 2022-12-31 | 3.25% | $62.63 Million | $1.93 Billion | -2.81pp |
| 2021-12-31 | 6.06% | $99.91 Million | $1.65 Billion | -2.91pp |
| 2020-12-31 | 8.97% | $147.41 Million | $1.64 Billion | +1.71pp |
| 2019-12-31 | 7.26% | $92.79 Million | $1.28 Billion | +2.17pp |
| 2018-12-31 | 5.09% | $55.98 Million | $1.10 Billion | -1.26pp |
| 2017-12-31 | 6.35% | $51.31 Million | $807.95 Million | +0.04pp |
| 2016-12-31 | 6.31% | $36.35 Million | $575.71 Million | -0.72pp |
| 2015-12-31 | 7.04% | $33.66 Million | $478.25 Million | -4.16pp |
| 2014-12-31 | 11.20% | $38.64 Million | $344.98 Million | +1.80pp |
| 2013-12-31 | 9.40% | $26.08 Million | $277.31 Million | +8.92pp |
| 2012-12-31 | 0.48% | $1.31 Million | $271.49 Million | -- |
About Mainstreet Bank
MainStreet Bancshares, Inc. operates as the bank holding company for MainStreet Bank that provides various banking products and services for individuals, small to medium-sized businesses, and professional service organizations. It offers demand, NOW, money market, savings, and sweep accounts, as well as certificates of deposit; business and consumer checking, interest-bearing checking, business a… Read more