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. See working capital to net assets of Provident Bancorp Inc to evaluate short-term liquidity relative to the company's equity base.
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. For the complete balance sheet picture, see PVBC current and non-current assets.
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. Explore Provident Bancorp Inc (PVBC) long-term investment share 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 | $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 |
|---|---|---|
|
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 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