Southern First Bancshares Inc - Asset Resilience Ratio
Southern First Bancshares Inc (SFST) has an Asset Resilience Ratio of 2.90% as of December 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 Southern First Bancshares Inc to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how Southern First Bancshares Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see SFST current and non-current assets.
Liquid Assets Composition Over Time
This chart breaks down Southern First Bancshares Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore Southern First Bancshares Inc (SFST) 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 | $127.73 Million | 2.9% |
| Total Liquid Assets | $127.73 Million | 2.90% |
Asset Resilience Insights
- Limited Liquidity: Southern First Bancshares Inc maintains only 2.90% 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.
Southern First Bancshares Inc Industry Peers by Asset Resilience Ratio
Compare Southern First Bancshares 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 Southern First Bancshares Inc (2000–2025)
The table below shows the annual Asset Resilience Ratio data for Southern First Bancshares Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 2.90% | $127.73 Million | $4.40 Billion | +2.89pp |
| 2024-12-31 | 0.01% | $461.00K | $4.09 Billion | -0.22pp |
| 2023-12-31 | 0.23% | $9.47 Million | $4.06 Billion | -2.29pp |
| 2022-12-31 | 2.53% | $93.35 Million | $3.69 Billion | -1.58pp |
| 2021-12-31 | 4.11% | $120.28 Million | $2.93 Billion | +0.30pp |
| 2020-12-31 | 3.82% | $94.73 Million | $2.48 Billion | +0.83pp |
| 2019-12-31 | 2.99% | $67.69 Million | $2.27 Billion | -0.96pp |
| 2018-12-31 | 3.94% | $74.91 Million | $1.90 Billion | -0.22pp |
| 2017-12-31 | 4.16% | $67.60 Million | $1.62 Billion | -0.65pp |
| 2016-12-31 | 4.81% | $64.48 Million | $1.34 Billion | -2.58pp |
| 2015-12-31 | 7.39% | $89.94 Million | $1.22 Billion | +2.05pp |
| 2014-12-31 | 5.34% | $55.02 Million | $1.03 Billion | -2.23pp |
| 2013-12-31 | 7.57% | $67.44 Million | $890.83 Million | -2.23pp |
| 2012-12-31 | 9.80% | $78.22 Million | $798.00 Million | -3.31pp |
| 2011-12-31 | 13.11% | $100.66 Million | $767.75 Million | +4.45pp |
| 2010-12-31 | 8.66% | $63.78 Million | $736.49 Million | -1.93pp |
| 2009-12-31 | 10.59% | $76.19 Million | $719.30 Million | +1.30pp |
| 2008-12-31 | 9.30% | $64.43 Million | $692.98 Million | +9.27pp |
| 2002-12-31 | 0.02% | $42.00K | $170.36 Million | -0.06pp |
| 2001-12-31 | 0.09% | $101.00K | $118.57 Million | -6.30pp |
| 2000-12-31 | 6.38% | $3.92 Million | $61.43 Million | -- |
About Southern First Bancshares Inc
Southern First Bancshares, Inc. operates as the bank holding company for Southern First Bank that provides commercial, consumer, and mortgage loans to the general public in South Carolina, North Carolina, and Georgia. The company accepts various deposit products that include checking accounts, commercial checking accounts, and savings accounts, as well as other time deposits, including daily mone… Read more