Peoples Bancorp of North Carolina - Asset Resilience Ratio
Peoples Bancorp of North Carolina (PEBK) has an Asset Resilience Ratio of 22.17% 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 debt load of Peoples Bancorp of North Carolina 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 Peoples Bancorp of North Carolina's Asset Resilience Ratio has changed over time. See Peoples Bancorp of North Carolina net assets for net asset value and shareholders' equity analysis.
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 market capitalisation and broader financial context, see Peoples Bancorp of North Carolina (PEBK) total market value.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $377.36 Million | 22.17% |
| Total Liquid Assets | $377.36 Million | 22.17% |
Asset Resilience Insights
- Good Liquidity Position: Peoples Bancorp of North Carolina maintains a healthy 22.17% 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 Hapoalim
TA:POLI |
Banks - Regional | 0.58% |
|
Bank of Nanjing Co Ltd
SHG:601009 |
Banks - Regional | -5.31% |
|
Bank of Qingdao Co Ltd
SHE:002948 |
Banks - Regional | 1.86% |
|
Bank Ina Perdana PT
JK:BINA |
Banks - Regional | -30.89% |
|
Laurentian Bank Of Canada
TO:LB |
Banks - Regional | 0.55% |
|
Banco Alfa de Investimento S.A
SA:BRIV3 |
Banks - Regional | 0.53% |
|
Caisse Regionale de Credit Agricole Mutuel Loire HauteLoire
PA:CRLO |
Banks - Regional | 2021.38% |
|
Banco Bradesco DRC
BA:BBD |
Banks - Regional | 4.82% |
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 | 22.17% | $377.36 Million | $1.70 Billion | +8.02pp |
| 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 United States. The company offers deposit products. It also originates commercial real estate loans, commercial loans, construction and land development loans, single-family residential mortgag… Read more