Shore Bancshares Inc - Asset Resilience Ratio
Shore Bancshares Inc (SHBI) has an Asset Resilience Ratio of 1.82% 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. Check strategic asset allocation of Shore Bancshares Inc to assess the company's strategic physical and investment asset allocation.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (1999–2024)
This chart shows how Shore Bancshares Inc's Asset Resilience Ratio has changed over time. See Shore Bancshares Inc (SHBI) balance sheet quality index to measure how much of total assets are equity-financed.
Liquid Assets Composition Over Time
This chart breaks down Shore 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 SHBI company net worth.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $114.12 Million | 1.82% |
| Total Liquid Assets | $114.12 Million | 1.82% |
Asset Resilience Insights
- Limited Liquidity: Shore Bancshares Inc maintains only 1.82% 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.
Shore Bancshares Inc Industry Peers by Asset Resilience Ratio
Compare Shore Bancshares Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
BNP Paribas SA
PA:BNP |
Banks - Regional | 17.67% |
|
CIMB Group Holdings Bhd
KLSE:1023 |
Banks - Regional | 1.96% |
|
Hua Xia Bank Co Ltd
SHG:600015 |
Banks - Regional | 4.86% |
|
Grupo Security
SN:SECURITY |
Banks - Regional | 0.15% |
|
Bank Mestika Dharma Tbk
JK:BBMD |
Banks - Regional | -6.51% |
|
Bank Multiarta Sentosa PT
JK:MASB |
Banks - Regional | 1.29% |
|
Bank Ochrony Środowiska SA
WAR:BOS |
Banks - Regional | 8.84% |
|
Bank Capital Indonesia Tbk
JK:BACA |
Banks - Regional | -22.83% |
Annual Asset Resilience Ratio for Shore Bancshares Inc (1999–2024)
The table below shows the annual Asset Resilience Ratio data for Shore Bancshares Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 2.39% | $149.21 Million | $6.23 Billion | +0.56pp |
| 2023-12-31 | 1.84% | $110.52 Million | $6.01 Billion | -0.57pp |
| 2022-12-31 | 2.40% | $83.59 Million | $3.48 Billion | -0.98pp |
| 2021-12-31 | 3.38% | $116.98 Million | $3.46 Billion | -3.84pp |
| 2020-12-31 | 7.22% | $139.57 Million | $1.93 Billion | -0.66pp |
| 2019-12-31 | 7.88% | $122.79 Million | $1.56 Billion | -2.54pp |
| 2018-12-31 | 10.41% | $154.43 Million | $1.48 Billion | -3.72pp |
| 2017-12-31 | 14.13% | $196.96 Million | $1.39 Billion | +0.00pp |
| 2016-12-31 | 14.13% | $163.90 Million | $1.16 Billion | -4.56pp |
| 2015-12-31 | 18.69% | $212.16 Million | $1.14 Billion | -2.77pp |
| 2014-12-31 | 21.46% | $236.11 Million | $1.10 Billion | +7.50pp |
| 2013-12-31 | 13.95% | $147.10 Million | $1.05 Billion | +1.68pp |
| 2012-12-31 | 12.27% | $145.51 Million | $1.19 Billion | +1.07pp |
| 2011-12-31 | 11.21% | $129.78 Million | $1.16 Billion | +14.74pp |
| 2010-12-31 | -3.53% | $-39.93 Million | $1.13 Billion | -3.48pp |
| 2009-12-31 | -0.05% | $-598.00K | $1.16 Billion | +1.42pp |
| 2008-12-31 | -1.47% | $-15.35 Million | $1.04 Billion | -12.55pp |
| 2007-12-31 | 11.08% | $106.06 Million | $956.91 Million | +3.88pp |
| 2002-12-31 | 7.21% | $47.15 Million | $654.07 Million | +1.33pp |
| 2001-12-31 | 5.87% | $34.21 Million | $582.40 Million | +5.87pp |
| 2000-12-31 | 0.00% | $249.00 | $553.10 Million | -14.12pp |
| 1999-12-31 | 14.12% | $73.19 Million | $518.22 Million | -- |
About Shore Bancshares Inc
Shore Bancshares, Inc. operates as a bank holding company for the Shore United Bank, N.A. that provides various consumer and commercial banking products and services to individuals, businesses, and other organizations in the United States. The company offers checking, savings, overnight investment sweep, and money market accounts; and regular and IRA certificates of deposit, as well as certificat… Read more