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.
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. Check South Plains Financial Inc PP&E and investment ratio to assess the company's strategic physical and investment asset allocation.
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 market capitalisation and broader financial context, see South Plains Financial Inc stock valuation.
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 |
|---|---|---|
|
Bank Mandiri Persero Tbk PT
JK:BMRI |
Banks - Regional | -0.12% |
|
Jyske Bank A/S
CO:JYSK |
Banks - Regional | -22.89% |
|
Industrial Bank Co Ltd
SHG:601166 |
Banks - Regional | 8.39% |
|
Bank of Kaohsiung Ltd
TW:2836 |
Banks - Regional | -9.80% |
|
Nordfyns Bank A/S
CO:NRDF |
Banks - Regional | -48.64% |
|
Caisse Regionale de Credit Agricole Mutuel Loire HauteLoire
PA:CRLO |
Banks - Regional | 2021.38% |
|
Sparebank 68 Grader Nord
OL:SB68 |
Banks - Regional | 4.68% |
|
1895 of Wisconsin Inc Bancorp
NASDAQ:BCOW |
Banks - Regional | 15.02% |
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