South Plains Financial Inc - Asset Resilience Ratio
South Plains Financial Inc (SPFI) has an Asset Resilience Ratio of 12.97% as of March 2026. 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 South Plains Financial Inc to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2017–2025)
This chart shows how South Plains Financial Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see South Plains Financial Inc total assets.
Liquid Assets Composition Over Time
This chart breaks down South Plains Financial Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore long-term investment intensity of South Plains Financial Inc 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 | $602.85 Million | 12.97% |
| Total Liquid Assets | $602.85 Million | 12.97% |
Asset Resilience Insights
- Moderate Liquidity: South Plains Financial Inc has 12.97% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- The company has significant short-term investments, indicating active treasury management.
South Plains Financial Inc Industry Peers by Asset Resilience Ratio
Compare South Plains Financial 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 South Plains Financial Inc (2017–2025)
The table below shows the annual Asset Resilience Ratio data for South Plains Financial Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 12.67% | $567.54 Million | $4.48 Billion | +6.33pp |
| 2024-12-31 | 6.34% | $268.24 Million | $4.23 Billion | +1.97pp |
| 2023-12-31 | 4.37% | $183.86 Million | $4.20 Billion | -13.42pp |
| 2022-12-31 | 17.79% | $701.71 Million | $3.94 Billion | -0.78pp |
| 2021-12-31 | 18.57% | $724.50 Million | $3.90 Billion | -3.74pp |
| 2020-12-31 | 22.31% | $803.09 Million | $3.60 Billion | +0.45pp |
| 2019-12-31 | 21.86% | $707.65 Million | $3.24 Billion | +9.39pp |
| 2018-12-31 | 12.47% | $338.20 Million | $2.71 Billion | +4.92pp |
| 2017-12-31 | 7.55% | $194.18 Million | $2.57 Billion | -- |
About South Plains Financial Inc
South Plains Financial, Inc. operates as a bank holding company for City Bank that provides commercial and consumer financial services to small and medium-sized businesses and individuals. It offers deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificate of deposits. The company also provides traditional trust products and services; debit … Read more