Southern States Bancshares Inc - Asset Resilience Ratio
Southern States Bancshares Inc (SSBK) has an Asset Resilience Ratio of 4.30% as of March 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
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2019–2024)
This chart shows how Southern States Bancshares Inc's Asset Resilience Ratio has changed over time. Check SSBK PP&E to net assets ratio to assess the company's strategic physical and investment asset allocation.
Liquid Assets Composition Over Time
This chart breaks down Southern States Bancshares 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 SSBK market cap overview.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $122.73 Million | 4.3% |
| Total Liquid Assets | $122.73 Million | 4.30% |
Asset Resilience Insights
- Limited Liquidity: Southern States Bancshares Inc maintains only 4.30% 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.
Southern States Bancshares Inc Industry Peers by Asset Resilience Ratio
Compare Southern States Bancshares Inc'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 Southern States Bancshares Inc (2019–2024)
The table below shows the annual Asset Resilience Ratio data for Southern States Bancshares Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 4.15% | $118.27 Million | $2.85 Billion | +0.17pp |
| 2023-12-31 | 3.98% | $97.42 Million | $2.45 Billion | -3.62pp |
| 2022-12-31 | 7.61% | $155.54 Million | $2.04 Billion | +0.19pp |
| 2021-12-31 | 7.41% | $132.17 Million | $1.78 Billion | -1.14pp |
| 2020-12-31 | 8.56% | $114.00 Million | $1.33 Billion | +3.08pp |
| 2019-12-31 | 5.47% | $59.95 Million | $1.10 Billion | -- |
About Southern States Bancshares Inc
Southern States Bancshares, Inc. operates as the bank holding company for Southern States Bank that provides community banking services to businesses and individuals in the United States. The company offers deposit products, including demand deposits accounts, interest-bearing products, savings accounts, and certificate of deposits. It also provides real estate loan products comprising real estat… Read more