Provident Bancorp Inc - Asset Resilience Ratio
Provident Bancorp Inc (PVBC) has an Asset Resilience Ratio of 1.25% as of September 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 PVBC current and long-term liabilities for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2013–2024)
This chart shows how Provident Bancorp Inc's Asset Resilience Ratio has changed over time. See PVBC net assets for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down Provident Bancorp Inc'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 Provident Bancorp Inc stock valuation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $18.64 Million | 1.25% |
| Total Liquid Assets | $18.64 Million | 1.25% |
Asset Resilience Insights
- Limited Liquidity: Provident Bancorp Inc maintains only 1.25% 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.
Provident Bancorp Inc Industry Peers by Asset Resilience Ratio
Compare Provident Bancorp Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Bank of Ayudhya PCL
BK:BAY |
Banks - Regional | 4.13% |
|
First Merchants Corporation Depository Shares
NASDAQ:FRMEP |
Banks - Regional | 7.40% |
|
Banco Santander (Brasil) S.A.
SA:SANB3 |
Banks - Regional | 5.81% |
|
Capitol Federal Financial Inc
NASDAQ:CFFN |
Banks - Regional | 8.49% |
|
CB Financial Services Inc
NASDAQ:CBFV |
Banks - Regional | 17.58% |
|
KB Financial Group Inc
F:KBIA |
Banks - Regional | 12.09% |
|
Absa Group Ltd
JSE:ABG |
Banks - Regional | -3.45% |
|
International Bancshares Corporation
NASDAQ:IBOC |
Banks - Regional | 29.29% |
Annual Asset Resilience Ratio for Provident Bancorp Inc (2013–2024)
The table below shows the annual Asset Resilience Ratio data for Provident Bancorp Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 8.89% | $141.61 Million | $1.59 Billion | +7.18pp |
| 2023-12-31 | 1.71% | $28.57 Million | $1.67 Billion | -0.04pp |
| 2022-12-31 | 1.75% | $28.60 Million | $1.64 Billion | -0.38pp |
| 2021-12-31 | 2.13% | $36.84 Million | $1.73 Billion | -0.01pp |
| 2020-12-31 | 2.14% | $32.22 Million | $1.51 Billion | -1.59pp |
| 2019-12-31 | 3.72% | $41.79 Million | $1.12 Billion | -1.55pp |
| 2018-12-31 | 5.28% | $51.40 Million | $974.08 Million | -1.53pp |
| 2017-12-31 | 6.81% | $61.43 Million | $902.26 Million | -8.01pp |
| 2016-12-31 | 14.82% | $117.87 Million | $795.54 Million | +3.92pp |
| 2015-12-31 | 10.89% | $80.98 Million | $743.40 Million | -0.66pp |
| 2014-12-31 | 11.56% | $76.12 Million | $658.61 Million | -2.47pp |
| 2013-12-31 | 14.03% | $87.65 Million | $624.66 Million | -- |
About Provident Bancorp Inc
Provident Bancorp, Inc. operates as the bank holding company for BankProv that provides various banking services to commercial and consumer clients in the United States. The company offers checking, term certificate, NOW, money market, and savings accounts, as well as certificates of deposit. It also provides commercial business, commercial real estate, multi-family, construction and land develop… Read more