Summit State Bank - Asset Resilience Ratio

Latest as of December 2025: 5.51%

Summit State Bank (SSBI) has an Asset Resilience Ratio of 5.51% 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.

Liquid Assets

$55.38 Million

Cash + Short-term Investments

Total Assets

$1.00 Billion

All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2010–2025)

This chart shows how Summit State Bank's Asset Resilience Ratio has changed over time. Check strategic asset allocation of Summit State Bank to assess the company's strategic physical and investment asset allocation.

Liquid Assets Composition Over Time

This chart breaks down Summit State Bank'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 SSBI market cap.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$55.38 Million	5.51%
Total Liquid Assets	$55.38 Million	5.51%

Asset Resilience Insights

Limited Liquidity: Summit State Bank maintains only 5.51% 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.

Summit State Bank Industry Peers by Asset Resilience Ratio

Compare Summit State Bank's asset resilience ratio with other companies in the same industry.

Company	Industry	Asset Resilience Ratio
Deutsche Bank Aktiengesellschaft F:DBK	Banks - Regional	3.17%
Regions Financial Corporation NYSE:RF	Banks - Regional	17.06%
Bank of Hangzhou Co Ltd SHG:600926	Banks - Regional	7.20%
Banco Santander Chile SN:BSANTANDER	Banks - Regional	6.33%
Grupo Financiero Inbursa S.A.B. de C.V MX:GFINBURO	Banks - Regional	2.07%
Synovus Financial Corp NYSE:SNV	Banks - Regional	4.05%
Bank of Queensland Ltd AU:BOQ	Banks - Regional	0.21%
Regional S.A.B. de C.V MX:RA	Banks - Regional	0.00%

Annual Asset Resilience Ratio for Summit State Bank (2010–2025)

The table below shows the annual Asset Resilience Ratio data for Summit State Bank.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	5.51%	$55.38 Million	$1.00 Billion	-0.12pp
2024-12-31	5.63%	$60.07 Million	$1.07 Billion	-1.17pp
2023-12-31	6.80%	$76.33 Million	$1.12 Billion	-0.71pp
2022-12-31	7.51%	$83.78 Million	$1.12 Billion	+0.27pp
2021-12-31	7.24%	$69.37 Million	$958.08 Million	-0.61pp
2020-12-31	7.85%	$67.95 Million	$865.85 Million	+0.05pp
2019-12-31	7.79%	$54.24 Million	$695.98 Million	-3.49pp
2018-12-31	11.28%	$70.17 Million	$622.10 Million	-1.61pp
2017-12-31	12.89%	$78.77 Million	$610.86 Million	-8.08pp
2016-12-31	20.98%	$107.77 Million	$513.70 Million	-4.07pp
2015-12-31	25.05%	$128.60 Million	$513.37 Million	-2.08pp
2014-12-31	27.13%	$124.72 Million	$459.68 Million	+2.12pp
2013-12-31	25.01%	$113.57 Million	$454.07 Million	-3.25pp
2012-12-31	28.26%	$125.71 Million	$444.90 Million	+5.38pp
2011-12-31	22.87%	$88.66 Million	$387.62 Million	+20.59pp
2010-12-31	2.28%	$7.94 Million	$347.93 Million	--

pp = percentage points

About Summit State Bank

NASDAQ:SSBI USA Banks - Regional

Market Cap

$83.90 Million

Market Cap Rank

#19743 Global

#4461 in USA

Share Price

$12.39

Change (1 day)

-0.84%

52-Week Range

$10.50 - $14.00

All Time High

$17.23