Summit State Bank - Asset Resilience Ratio
Summit State Bank (SSBI) has an Asset Resilience Ratio of 0.99% 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. Read SSBI total debt and obligations for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2010–2024)
This chart shows how Summit State Bank's Asset Resilience Ratio has changed over time. See SSBI total equity for net asset value and shareholders' equity analysis.
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 stock market capitalisation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $9.97 Million | 0.99% |
| Total Liquid Assets | $9.97 Million | 0.99% |
Asset Resilience Insights
- Limited Liquidity: Summit State Bank maintains only 0.99% 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 |
|---|---|---|
|
Hong Leong Bank Bhd
KLSE:5819 |
Banks - Regional | -6.27% |
|
First Merchants Corporation
NASDAQ:FRME |
Banks - Regional | 7.40% |
|
TF Bank AB
ST:TFBANK |
Banks - Regional | -0.15% |
|
Banco do Estado do Rio Grande do Sul S.A
SA:BRSR3 |
Banks - Regional | 0.00% |
|
Caisse Regionale de Credit Agricole Mutuel d’IlleetVilaine SC
PA:CIV |
Banks - Regional | -6.94% |
|
Blue Foundry Bancorp
NASDAQ:BLFY |
Banks - Regional | 12.71% |
|
Banco Alfa de Investimento S.A
SA:BRIV3 |
Banks - Regional | 0.53% |
|
Caisse Regionale de Credit Agricole Mutuel Loire HauteLoire
PA:CRLO |
Banks - Regional | 2021.38% |
Annual Asset Resilience Ratio for Summit State Bank (2010–2024)
The table below shows the annual Asset Resilience Ratio data for Summit State Bank.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 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 | -- |
About Summit State Bank
Summit State Bank provides various banking products and services to individuals and businesses primarily in Sonoma County, California. It offers personal and business checking, money market, sweep, savings, and demand accounts; time certificates of deposit; and specialized deposit accounts, including professional, small business packaged, tiered, and retirement plan accounts. The company also pro… Read more