Pathfinder Bancorp Inc - Asset Resilience Ratio
Pathfinder Bancorp Inc (PBHC) has an Asset Resilience Ratio of 24.54% 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 Pathfinder Bancorp Inc (PBHC) liquidity to equity ratio to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how Pathfinder Bancorp Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see Pathfinder Bancorp Inc assets under control.
Liquid Assets Composition Over Time
This chart breaks down Pathfinder Bancorp Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore PBHC 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 | $366.15 Million | 24.54% |
| Total Liquid Assets | $366.15 Million | 24.54% |
Asset Resilience Insights
- Good Liquidity Position: Pathfinder Bancorp Inc maintains a healthy 24.54% 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.
Pathfinder Bancorp Inc Industry Peers by Asset Resilience Ratio
Compare Pathfinder Bancorp Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Bendigo and Adelaide Bank Ltd
AU:BEN |
Banks - Regional | -3.55% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
First Mid Illinois Bancshares Inc
NASDAQ:FMBH |
Banks - Regional | 12.77% |
|
Banco Mercantil do Brasil S.A
SA:BMEB3 |
Banks - Regional | -18.66% |
|
Southern California Bancorp Common Stock
NASDAQ:BCAL |
Banks - Regional | 7.67% |
|
Bank Rakyat Indonesia Agroniaga
JK:AGRO |
Banks - Regional | 8.38% |
|
Banco Hipotecario SA
BA:BHIP |
Banks - Regional | 4.67% |
|
Merkur PrivatBank KgaA
XETRA:MBK |
Banks - Regional | 0.00% |
Annual Asset Resilience Ratio for Pathfinder Bancorp Inc (2000–2025)
The table below shows the annual Asset Resilience Ratio data for Pathfinder Bancorp Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 19.42% | $276.81 Million | $1.43 Billion | +1.16pp |
| 2024-12-31 | 18.26% | $269.33 Million | $1.47 Billion | +0.61pp |
| 2023-12-31 | 17.65% | $258.72 Million | $1.47 Billion | +3.96pp |
| 2022-12-31 | 13.69% | $191.73 Million | $1.40 Billion | -1.14pp |
| 2021-12-31 | 14.83% | $190.60 Million | $1.29 Billion | +4.38pp |
| 2020-12-31 | 10.45% | $128.26 Million | $1.23 Billion | +0.29pp |
| 2019-12-31 | 10.16% | $111.13 Million | $1.09 Billion | -8.88pp |
| 2018-12-31 | 19.04% | $177.66 Million | $933.12 Million | -0.38pp |
| 2017-12-31 | 19.42% | $171.14 Million | $881.26 Million | +0.47pp |
| 2016-12-31 | 18.95% | $141.96 Million | $749.03 Million | +3.08pp |
| 2015-12-31 | 15.88% | $98.94 Million | $623.25 Million | +0.18pp |
| 2014-12-31 | 15.70% | $88.07 Million | $561.02 Million | -0.37pp |
| 2013-12-31 | 16.07% | $80.96 Million | $503.79 Million | -6.60pp |
| 2012-12-31 | 22.67% | $108.34 Million | $477.80 Million | +0.01pp |
| 2011-12-31 | 22.66% | $100.39 Million | $442.98 Million | +1.78pp |
| 2010-12-31 | 20.89% | $85.33 Million | $408.55 Million | +19.28pp |
| 2009-12-31 | 1.60% | $5.95 Million | $371.69 Million | +1.51pp |
| 2008-12-31 | 0.09% | $313.00K | $352.76 Million | -0.01pp |
| 2007-12-31 | 0.10% | $305.00K | $320.69 Million | -2.11pp |
| 2006-12-31 | 2.21% | $6.66 Million | $301.38 Million | +2.01pp |
| 2005-12-31 | 0.20% | $586.00K | $296.95 Million | -2.31pp |
| 2004-12-31 | 2.51% | $7.58 Million | $302.04 Million | +1.46pp |
| 2003-12-31 | 1.05% | $2.91 Million | $277.94 Million | -1.36pp |
| 2002-12-31 | 2.41% | $6.71 Million | $279.06 Million | +1.52pp |
| 2001-12-31 | 0.88% | $2.16 Million | $244.37 Million | +0.80pp |
| 2000-12-31 | 0.08% | $186.00K | $231.85 Million | -- |
About Pathfinder Bancorp Inc
Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in the United States. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial loans, residential … Read more