Penns Woods Bancorp Inc - Asset Resilience Ratio
Penns Woods Bancorp Inc (PWOD) has an Asset Resilience Ratio of 2.85% as of March 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 how much debt does Penns Woods Bancorp Inc carry for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (1998–2024)
This chart shows how Penns Woods Bancorp Inc's Asset Resilience Ratio has changed over time. See Penns Woods Bancorp Inc net assets for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down Penns Woods 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 PWOD stock market capitalisation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $64.24 Million | 2.85% |
| Total Liquid Assets | $64.24 Million | 2.85% |
Asset Resilience Insights
- Limited Liquidity: Penns Woods Bancorp Inc maintains only 2.85% 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.
Penns Woods Bancorp Inc Industry Peers by Asset Resilience Ratio
Compare Penns Woods 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 Penns Woods Bancorp Inc (1998–2024)
The table below shows the annual Asset Resilience Ratio data for Penns Woods Bancorp Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 8.27% | $184.54 Million | $2.23 Billion | -0.39pp |
| 2023-12-31 | 8.66% | $190.94 Million | $2.20 Billion | -1.02pp |
| 2022-12-31 | 9.68% | $193.67 Million | $2.00 Billion | +1.11pp |
| 2021-12-31 | 8.57% | $166.41 Million | $1.94 Billion | -0.27pp |
| 2020-12-31 | 8.84% | $162.26 Million | $1.83 Billion | -0.08pp |
| 2019-12-31 | 8.92% | $148.62 Million | $1.67 Billion | +0.95pp |
| 2018-12-31 | 7.97% | $134.28 Million | $1.68 Billion | +0.60pp |
| 2017-12-31 | 7.37% | $108.63 Million | $1.47 Billion | -2.53pp |
| 2016-12-31 | 9.90% | $133.49 Million | $1.35 Billion | -3.45pp |
| 2015-12-31 | 13.34% | $176.16 Million | $1.32 Billion | -5.31pp |
| 2014-12-31 | 18.65% | $232.21 Million | $1.25 Billion | -5.16pp |
| 2013-12-31 | 23.81% | $288.61 Million | $1.21 Billion | -9.96pp |
| 2012-12-31 | 33.78% | $289.32 Million | $856.53 Million | -1.58pp |
| 2011-12-31 | 35.36% | $270.10 Million | $763.95 Million | +4.19pp |
| 2010-12-31 | 31.17% | $215.56 Million | $691.69 Million | +0.29pp |
| 2009-12-31 | 30.87% | $208.77 Million | $676.20 Million | -0.49pp |
| 2008-12-31 | 31.36% | $204.75 Million | $652.80 Million | -2.78pp |
| 2007-12-31 | 34.14% | $214.46 Million | $628.14 Million | +2.87pp |
| 2006-12-31 | 31.27% | $185.20 Million | $592.28 Million | -1.62pp |
| 2005-12-31 | 32.89% | $187.02 Million | $568.67 Million | +0.34pp |
| 2004-12-31 | 32.55% | $177.96 Million | $546.70 Million | -7.38pp |
| 2003-12-31 | 39.94% | $210.61 Million | $527.38 Million | +37.29pp |
| 1998-12-31 | 2.65% | $9.04 Million | $341.60 Million | -- |
About Penns Woods Bancorp Inc
Penns Woods Bancorp, Inc. operates as the bank holding company for Jersey Shore State Bank, which provides commercial and retail banking services to individuals, partnerships, non-profit organizations, and corporations in the United States. The company accepts time, demand, and savings deposits, including super NOW accounts, statement savings accounts, money market accounts, and fixed rate certif… Read more