Mainstreet Bank - Asset Resilience Ratio
Mainstreet Bank (MNSB) has an Asset Resilience Ratio of 2.55% 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 Mainstreet Bank total liabilities for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2013–2025)
This chart shows how Mainstreet Bank's Asset Resilience Ratio has changed over time. See Mainstreet Bank (MNSB) shareholders funds for net asset value and shareholders' equity analysis.
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 | $56.45 Million | 2.55% |
| Total Liquid Assets | $56.45 Million | 2.55% |
Asset Resilience Insights
- Limited Liquidity: Mainstreet Bank maintains only 2.55% 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 |
|---|---|---|
|
Bank of Ayudhya PCL
BK:BAY |
Banks - Regional | 4.13% |
|
First Merchants Corporation Depository Shares
NASDAQ:FRMEP |
Banks - Regional | 7.40% |
|
Banco Santander (Brasil) S.A.
SA:SANB3 |
Banks - Regional | 5.81% |
|
Capitol Federal Financial Inc
NASDAQ:CFFN |
Banks - Regional | 8.49% |
|
CB Financial Services Inc
NASDAQ:CBFV |
Banks - Regional | 17.58% |
|
KB Financial Group Inc
F:KBIA |
Banks - Regional | 12.09% |
|
Absa Group Ltd
JSE:ABG |
Banks - Regional | -3.45% |
|
International Bancshares Corporation
NASDAQ:IBOC |
Banks - Regional | 29.29% |
Annual Asset Resilience Ratio for Mainstreet Bank (2013–2025)
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 | 2.55% | $56.45 Million | $2.21 Billion | +2.49pp |
| 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 | -- |
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. The company offers demand, NOW, money market, savings, and sweep accounts, as well as certificates of deposit; business and consumer checking, interest-bearing checking, b… Read more