South Plains Financial Inc Asset Resilience Ratio
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 SPFI defensive asset coverage days to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of South Plains Financial Inc (2017–2025)
Asset resilience ratio of South Plains Financial Inc from 2017 to 2025. This chart shows how South Plains Financial Inc's Asset Resilience Ratio has changed over time. Read South Plains Financial Inc (SPFI) total liabilities for a breakdown of total debt and financial obligations.
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. For the complete balance sheet picture, see how large is South Plains Financial Inc's balance sheet.
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 |
|---|---|---|
|
Societe Generale S.A.
PA:GLE |
Banks - Regional | 11.25% |
|
Itau Unibanco Banco Holding SA
NYSE:ITUB |
Banks - Regional | 3.55% |
|
Spar Nord Bank
CO:SPNO |
Banks - Regional | -3.96% |
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank Ina Perdana PT
JK:BINA |
Banks - Regional | -30.89% |
|
Bank Rakyat Indonesia Agroniaga
JK:AGRO |
Banks - Regional | 8.38% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
South Plains Financial Inc Asset Resilience Ratio by Year (2017–2025)
South Plains Financial Inc asset resilience ratio by year from 2017 to 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