SB Financial Group Inc - Asset Resilience Ratio
SB Financial Group Inc (SBFG) has an Asset Resilience Ratio of 2.96% 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 SBFG current and long-term liabilities for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2024)
This chart shows how SB Financial Group Inc's Asset Resilience Ratio has changed over time. See SBFG net asset value for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down SB Financial Group 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 SB Financial Group Inc market capitalisation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $44.29 Million | 2.96% |
| Total Liquid Assets | $44.29 Million | 2.96% |
Asset Resilience Insights
- Limited Liquidity: SB Financial Group Inc maintains only 2.96% 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.
SB Financial Group Inc Industry Peers by Asset Resilience Ratio
Compare SB Financial Group Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Hong Leong Bank Bhd
KLSE:5819 |
Banks - Regional | -6.27% |
|
First Merchants Corporation
NASDAQ:FRME |
Banks - Regional | 7.40% |
|
TF Bank AB
ST:TFBANK |
Banks - Regional | -0.15% |
|
Banco do Estado do Rio Grande do Sul S.A
SA:BRSR3 |
Banks - Regional | 0.00% |
|
Caisse Regionale de Credit Agricole Mutuel d’IlleetVilaine SC
PA:CIV |
Banks - Regional | -6.94% |
|
Blue Foundry Bancorp
NASDAQ:BLFY |
Banks - Regional | 12.71% |
|
Banco Alfa de Investimento S.A
SA:BRIV3 |
Banks - Regional | 0.53% |
|
Caisse Regionale de Credit Agricole Mutuel Loire HauteLoire
PA:CRLO |
Banks - Regional | 2021.38% |
Annual Asset Resilience Ratio for SB Financial Group Inc (2000–2024)
The table below shows the annual Asset Resilience Ratio data for SB Financial Group Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 12.45% | $171.76 Million | $1.38 Billion | -3.91pp |
| 2023-12-31 | 16.36% | $219.71 Million | $1.34 Billion | -1.52pp |
| 2022-12-31 | 17.88% | $238.78 Million | $1.34 Billion | -1.90pp |
| 2021-12-31 | 19.78% | $263.26 Million | $1.33 Billion | +7.90pp |
| 2020-12-31 | 11.88% | $149.41 Million | $1.26 Billion | +2.16pp |
| 2019-12-31 | 9.72% | $100.95 Million | $1.04 Billion | +0.49pp |
| 2018-12-31 | 9.23% | $91.04 Million | $985.90 Million | -0.21pp |
| 2017-12-31 | 9.44% | $82.79 Million | $876.63 Million | -1.60pp |
| 2016-12-31 | 11.05% | $90.13 Million | $816.00 Million | -1.20pp |
| 2015-12-31 | 12.25% | $89.79 Million | $733.07 Million | -0.21pp |
| 2014-12-31 | 12.46% | $85.24 Million | $684.23 Million | -1.76pp |
| 2013-12-31 | 14.21% | $89.79 Million | $631.75 Million | -1.25pp |
| 2012-12-31 | 15.46% | $98.70 Million | $638.23 Million | -2.35pp |
| 2011-12-31 | 17.81% | $111.98 Million | $628.66 Million | +16.29pp |
| 2008-12-31 | 1.52% | $10.00 Million | $657.62 Million | +1.16pp |
| 2007-12-31 | 0.36% | $2.00 Million | $561.21 Million | -1.31pp |
| 2006-12-31 | 1.66% | $9.25 Million | $556.01 Million | +1.64pp |
| 2005-12-31 | 0.03% | $150.00K | $530.54 Million | -0.01pp |
| 2004-12-31 | 0.04% | $150.00K | $415.35 Million | -2.32pp |
| 2003-12-31 | 2.36% | $10.26 Million | $435.31 Million | +0.44pp |
| 2002-12-31 | 1.92% | $14.26 Million | $742.32 Million | +1.89pp |
| 2001-12-31 | 0.03% | $260.00K | $746.21 Million | +0.02pp |
| 2000-12-31 | 0.02% | $110.00K | $700.82 Million | -- |
About SB Financial Group Inc
SB Financial Group, Inc. operates as the financial holding company for the State Bank and Trust Company that provides a range of commercial banking and wealth management services to individual and corporate customers primarily in Ohio, Indiana, and Michigan. It offers checking, savings, money market accounts, as well as time certificates of deposit; and commercial, consumer, agricultural, and res… Read more