PCB Bancorp - Asset Resilience Ratio
PCB Bancorp (PCB) has an Asset Resilience Ratio of 4.88% 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. See how liquid is PCB Bancorp'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 (2011–2025)
This chart shows how PCB Bancorp's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see PCB Bancorp total assets.
Liquid Assets Composition Over Time
This chart breaks down PCB Bancorp's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore PCB Bancorp strategic investment 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 | $160.01 Million | 4.88% |
| Total Liquid Assets | $160.01 Million | 4.88% |
Asset Resilience Insights
- Limited Liquidity: PCB Bancorp maintains only 4.88% 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.
PCB Bancorp Industry Peers by Asset Resilience Ratio
Compare PCB Bancorp'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 PCB Bancorp (2011–2025)
The table below shows the annual Asset Resilience Ratio data for PCB Bancorp.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 4.88% | $160.01 Million | $3.28 Billion | +0.10pp |
| 2024-12-31 | 4.78% | $146.35 Million | $3.06 Billion | -0.36pp |
| 2023-12-31 | 5.14% | $143.32 Million | $2.79 Billion | -0.72pp |
| 2022-12-31 | 5.86% | $141.86 Million | $2.42 Billion | +0.13pp |
| 2021-12-31 | 5.73% | $123.20 Million | $2.15 Billion | -0.54pp |
| 2020-12-31 | 6.27% | $120.53 Million | $1.92 Billion | +0.68pp |
| 2019-12-31 | 5.59% | $97.57 Million | $1.75 Billion | -3.07pp |
| 2018-12-31 | 8.66% | $146.99 Million | $1.70 Billion | -0.33pp |
| 2017-12-31 | 8.99% | $129.69 Million | $1.44 Billion | +2.24pp |
| 2016-12-31 | 6.75% | $82.84 Million | $1.23 Billion | -1.39pp |
| 2015-12-31 | 8.14% | $84.85 Million | $1.04 Billion | +2.59pp |
| 2014-12-31 | 5.55% | $49.65 Million | $893.96 Million | -1.92pp |
| 2013-12-31 | 7.47% | $56.46 Million | $755.91 Million | +1.50pp |
| 2012-12-31 | 5.97% | $36.46 Million | $610.84 Million | +5.40pp |
| 2011-12-31 | 0.57% | $3.12 Million | $546.05 Million | -- |
About PCB Bancorp
PCB Bancorp operates as the bank holding company for PCB Bank that provides various banking products and services to small and middle market businesses and individuals. The company offers demand, savings, money market, time deposits, and certificates of deposit; and remote deposit capture, courier deposit and positive pay services, zero balance accounts, and sweep accounts. It also provides real … Read more