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. Read Southern First Bancshares Inc balance sheet liabilities for a breakdown of total debt and financial obligations.
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. See SFST total equity for net asset value and shareholders' equity analysis.
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. For market capitalisation and broader financial context, see Southern First Bancshares Inc stock valuation.
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 |
|---|---|---|
|
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 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