NSTS Bancorp Inc - Asset Resilience Ratio
NSTS Bancorp Inc (NSTS) has an Asset Resilience Ratio of 27.65% as of June 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 how liquid is NSTS Bancorp Inc's working capital to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2019–2025)
This chart shows how NSTS Bancorp Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see balance sheet size of NSTS Bancorp Inc.
Liquid Assets Composition Over Time
This chart breaks down NSTS Bancorp Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore NSTS strategic capital deployment ratio 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 | $74.63 Million | 27.65% |
| Total Liquid Assets | $74.63 Million | 27.65% |
Asset Resilience Insights
- Very High Liquidity: NSTS Bancorp Inc maintains exceptional liquid asset reserves at 27.65% of total assets.
- This level provides strong protection against economic uncertainties but may indicate potential for more aggressive growth investments.
- The company has significant short-term investments, indicating active treasury management.
NSTS Bancorp Inc Industry Peers by Asset Resilience Ratio
Compare NSTS Bancorp Inc'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% |
|
Mechanics Bank
NASDAQ:MCHB |
Banks - Regional | 18.39% |
|
Laurentian Bank Of Canada
TO:LB |
Banks - Regional | 0.55% |
Annual Asset Resilience Ratio for NSTS Bancorp Inc (2019–2025)
The table below shows the annual Asset Resilience Ratio data for NSTS Bancorp Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 0.60% | $1.61 Million | $266.65 Million | +0.24pp |
| 2024-12-31 | 0.36% | $1.00 Million | $278.69 Million | -1.30pp |
| 2023-12-31 | 1.66% | $4.26 Million | $256.78 Million | -44.21pp |
| 2022-12-31 | 45.88% | $121.20 Million | $264.21 Million | +16.26pp |
| 2021-12-31 | 29.62% | $100.95 Million | $340.87 Million | -4.08pp |
| 2020-12-31 | 33.70% | $81.62 Million | $242.22 Million | +4.59pp |
| 2019-12-31 | 29.11% | $68.57 Million | $235.55 Million | -- |
About NSTS Bancorp Inc
NSTS Bancorp, Inc. operates as a savings and loan holding company for North Shore Trust and Savings that provides banking products and services in Illinois. The company offers interest-bearing and noninterest-bearing checking, money market, savings, and time deposit accounts; and one- to four-family residential mortgages, multifamily and commercial real estate mortgages, construction, consumer lo… Read more