Peoples Bancorp of North Carolina - Asset Resilience Ratio
Peoples Bancorp of North Carolina (PEBK) has an Asset Resilience Ratio of 20.65% 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 working capital to net assets of Peoples Bancorp of North Carolina to evaluate short-term liquidity relative to the company's equity base.
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. For the complete balance sheet picture, see Peoples Bancorp of North Carolina asset portfolio.
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. Explore Peoples Bancorp of North Carolina long-term investment intensity 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 | $364.48 Million | 20.65% |
| Total Liquid Assets | $364.48 Million | 20.65% |
Asset Resilience Insights
- Good Liquidity Position: Peoples Bancorp of North Carolina maintains a healthy 20.65% 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 |
|---|---|---|
|
China Merchants Bank Co. Ltd
F:M4B |
Banks - Regional | 2.14% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
Bank of Hangzhou Co Ltd
SHG:600926 |
Banks - Regional | 7.20% |
|
King’s Town Bank
TW:2809 |
Banks - Regional | -9.61% |
|
Sparebanken Vest
OL:SVEG |
Banks - Regional | 0.05% |
|
Graubuendner Kantonalbank
SW:GRKP |
Banks - Regional | -38.39% |
|
TF Bank AB
ST:TFBANK |
Banks - Regional | -0.15% |
|
Bank Bumi Arta Tbk
JK:BNBA |
Banks - Regional | 11.96% |
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