Peoples Bancorp of North Carolina - Asset Resilience Ratio
Peoples Bancorp of North Carolina (PEBK) has an Asset Resilience Ratio of 21.34% as of March 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. Explore Peoples Bancorp of North Carolina long-term investment intensity to see how much of total assets are deployed in long-term investments.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how Peoples Bancorp of North Carolina's Asset Resilience Ratio has changed over time. See Peoples Bancorp of North Carolina (PEBK) defensive interval to measure how many days the company can operate on defensive assets alone.
Liquid Assets Composition Over Time
This chart breaks down Peoples Bancorp of North Carolina'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 PEBK current and non-current assets.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $370.14 Million | 21.34% |
| Total Liquid Assets | $370.14 Million | 21.34% |
Asset Resilience Insights
- Good Liquidity Position: Peoples Bancorp of North Carolina maintains a healthy 21.34% 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.
Peoples Bancorp of North Carolina Industry Peers by Asset Resilience Ratio
Compare Peoples Bancorp of North Carolina's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Bank Leumi Le-Israel B.M
TA:LUMI |
Banks - Regional | 1.75% |
|
Grupo Financiero Inbursa S.A.B. de C.V
MX:GFINBURO |
Banks - Regional | 2.07% |
|
Bangkok Bank PCL
BK:BBL |
Banks - Regional | 21.97% |
|
INTERCORP FIN.SERV. O.N.
F:9IFA |
Banks - Regional | 22.42% |
|
Renasant Corporation
NYSE:RNST |
Banks - Regional | 0.04% |
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
Banco del Bajío S.A. Institución de Banca Múltiple
MX:BBAJIOO |
Banks - Regional | 2.94% |
|
Punjab & Sind Bank
NSE:PSB |
Banks - Regional | -9.96% |
Annual Asset Resilience Ratio for Peoples Bancorp of North Carolina (2000–2025)
The table below shows the annual Asset Resilience Ratio data for Peoples Bancorp of North Carolina.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 12.74% | $216.85 Million | $1.70 Billion | -1.41pp |
| 2024-12-31 | 14.15% | $233.78 Million | $1.65 Billion | -9.81pp |
| 2023-12-31 | 23.96% | $391.92 Million | $1.64 Billion | -3.52pp |
| 2022-12-31 | 27.48% | $445.39 Million | $1.62 Billion | +2.45pp |
| 2021-12-31 | 25.03% | $406.55 Million | $1.62 Billion | +7.70pp |
| 2020-12-31 | 17.33% | $245.25 Million | $1.41 Billion | +0.38pp |
| 2019-12-31 | 16.95% | $195.75 Million | $1.15 Billion | -0.85pp |
| 2018-12-31 | 17.80% | $194.58 Million | $1.09 Billion | -3.20pp |
| 2017-12-31 | 21.00% | $229.32 Million | $1.09 Billion | -1.98pp |
| 2016-12-31 | 22.97% | $249.95 Million | $1.09 Billion | -2.88pp |
| 2015-12-31 | 25.86% | $268.53 Million | $1.04 Billion | -1.16pp |
| 2014-12-31 | 27.02% | $281.10 Million | $1.04 Billion | -1.77pp |
| 2013-12-31 | 28.79% | $297.89 Million | $1.03 Billion | -0.59pp |
| 2012-12-31 | 29.39% | $297.82 Million | $1.01 Billion | -0.73pp |
| 2011-12-31 | 30.12% | $321.39 Million | $1.07 Billion | +29.91pp |
| 2010-12-31 | 0.21% | $2.19 Million | $1.07 Billion | -0.28pp |
| 2009-12-31 | 0.48% | $5.05 Million | $1.05 Billion | -0.36pp |
| 2008-12-31 | 0.84% | $8.19 Million | $968.76 Million | +0.44pp |
| 2007-12-31 | 0.41% | $3.69 Million | $907.26 Million | +0.08pp |
| 2006-12-31 | 0.32% | $2.64 Million | $818.95 Million | +0.14pp |
| 2005-12-31 | 0.18% | $1.35 Million | $730.28 Million | -0.07pp |
| 2004-12-31 | 0.25% | $1.72 Million | $686.35 Million | -0.10pp |
| 2003-12-31 | 0.35% | $2.37 Million | $674.03 Million | +0.08pp |
| 2002-12-31 | 0.27% | $1.77 Million | $645.64 Million | -0.09pp |
| 2001-12-31 | 0.36% | $2.26 Million | $619.50 Million | -0.60pp |
| 2000-12-31 | 0.97% | $5.02 Million | $519.00 Million | -- |
About Peoples Bancorp of North Carolina
Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various banking products and services for individuals and small-to medium-sized businesses in the North Carolina, United States. The company offers deposit products. It also originates commercial real estate loans, commercial loans, construction and land development loans, single-family res… Read more