Pathfinder Bancorp Inc - Asset Resilience Ratio
Pathfinder Bancorp Inc (PBHC) has an Asset Resilience Ratio of 19.42% 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 Pathfinder Bancorp Inc total liabilities for a breakdown of total debt and financial obligations.
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. See Pathfinder Bancorp Inc book value and equity for net asset value and shareholders' equity analysis.
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. For market capitalisation and broader financial context, see Pathfinder Bancorp Inc market cap and net worth.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $276.81 Million | 19.42% |
| Total Liquid Assets | $276.81 Million | 19.42% |
Asset Resilience Insights
- Good Liquidity Position: Pathfinder Bancorp Inc maintains a healthy 19.42% 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 |
|---|---|---|
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
VersaBank
TO:VBNK |
Banks - Regional | 1.65% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
|
RMB Holdings Ltd
JSE:RMH |
Banks - Regional | 20.83% |
|
Bank Tabungan Pensiunan Nasional Syariah PT
JK:BTPS |
Banks - Regional | 44.92% |
|
Banco Bradesco DRC
BA:BBD |
Banks - Regional | 4.82% |
|
Grupo Financiero Galicia S.A.
BA:GGAL |
Banks - Regional | 8.18% |
|
Banco Macro SA B
BA:BMA |
Banks - Regional | 0.55% |
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