Provident Bancorp Inc Asset Resilience Ratio

Latest as of September 2025: 1.25%

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 defensive interval ratio of Provident Bancorp Inc to measure how many days the company can operate on defensive assets alone.

Liquid Assets

$18.64 Million

Cash + Short-term Investments

Total Assets

$1.49 Billion

All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio of Provident Bancorp Inc (2013–2024)

Asset resilience ratio of Provident Bancorp Inc from 2013 to 2024. This chart shows how Provident Bancorp Inc's Asset Resilience Ratio has changed over time. Read PVBC liabilities breakdown for a breakdown of total debt and financial obligations.

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 the complete balance sheet picture, see balance sheet size of Provident Bancorp Inc.

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
Societe Generale S.A. PA:GLE	Banks - Regional	11.25%
Itau Unibanco Banco Holding SA NYSE:ITUB	Banks - Regional	3.55%
Spar Nord Bank CO:SPNO	Banks - Regional	-3.96%
Bank of Guiyang Co Ltd SHG:601997	Banks - Regional	-0.78%
Qingdao Rural Commercial Bank Corp Class A SHE:002958	Banks - Regional	-13.48%
Bank Ina Perdana PT JK:BINA	Banks - Regional	-30.89%
Bank Rakyat Indonesia Agroniaga JK:AGRO	Banks - Regional	8.38%
Bank Agris Tbk JK:AGRS	Banks - Regional	1.98%

Provident Bancorp Inc Asset Resilience Ratio by Year (2013–2024)

Provident Bancorp Inc asset resilience ratio by year from 2013 to 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	--

pp = percentage points

About Provident Bancorp Inc

NASDAQ:PVBC USA Banks - Regional

Market Cap

$240.07 Million

Market Cap Rank

#15648 Global

#3733 in USA

Share Price

$13.50

Change (1 day)

+3.05%

52-Week Range

$12.77 - $13.50

All Time High

$19.94