Pathfinder Bancorp Inc Asset Resilience Ratio
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 PBHC defensive asset coverage days to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of Pathfinder Bancorp Inc (2000–2025)
Asset resilience ratio of Pathfinder Bancorp Inc from 2000 to 2025. This chart shows how Pathfinder Bancorp Inc's Asset Resilience Ratio has changed over time. Read Pathfinder Bancorp Inc total liabilities for a breakdown of total debt and financial obligations.
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 the complete balance sheet picture, see Pathfinder Bancorp Inc assets under control.
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 |
|---|---|---|
|
Commerzbank AG
XETRA:CBK |
Banks - Regional | 5.22% |
|
CIMB Group Holdings Bhd
KLSE:1023 |
Banks - Regional | 1.96% |
|
BNK Banking Corporation Ltd
AU:BBC |
Banks - Regional | 8.96% |
|
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% |
|
BBVA Banco Frances SA
BA:BBAR |
Banks - Regional | 7.45% |
|
Banco Patagonia
BA:BPAT |
Banks - Regional | 0.44% |
Pathfinder Bancorp Inc Asset Resilience Ratio by Year (2000–2025)
Pathfinder Bancorp Inc asset resilience ratio by year from 2000 to 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