United Community Banks, Inc. - Asset Resilience Ratio
United Community Banks, Inc. (UCB) has an Asset Resilience Ratio of 13.82% 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.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2011–2024)
This chart shows how United Community Banks, Inc.'s Asset Resilience Ratio has changed over time. Check UCB capital-intensive asset ratio to assess the company's strategic physical and investment asset allocation.
Liquid Assets Composition Over Time
This chart breaks down United Community Banks, 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 market value of United Community Banks, Inc..
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $3.89 Billion | 13.82% |
| Total Liquid Assets | $3.89 Billion | 13.82% |
Asset Resilience Insights
- Moderate Liquidity: United Community Banks, Inc. has 13.82% 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.
United Community Banks, Inc. Industry Peers by Asset Resilience Ratio
Compare United Community Banks, Inc.'s asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Commerzbank AG
F:ZZMS |
Banks - Regional | 12.20% |
|
Bank of Shanghai Co Ltd
SHG:601229 |
Banks - Regional | -17.10% |
|
Hua Xia Bank Co Ltd
SHG:600015 |
Banks - Regional | 4.86% |
|
Banco de Chile
F:G4RA |
Banks - Regional | 6.38% |
|
Industrial Bank Co Ltd
SHG:601166 |
Banks - Regional | 8.39% |
|
Arion banki hf
ST:ARION-SDB |
Banks - Regional | 0.52% |
|
Dime Community Bancshares, Inc.
NYSE:DCOM |
Banks - Regional | 4.29% |
|
Banco del Bajío S.A. Institución de Banca Múltiple
MX:BBAJIOO |
Banks - Regional | 2.94% |
Annual Asset Resilience Ratio for United Community Banks, Inc. (2011–2024)
The table below shows the annual Asset Resilience Ratio data for United Community Banks, Inc..
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 16.00% | $4.44 Billion | $27.72 Billion | +3.80pp |
| 2023-12-31 | 12.20% | $3.33 Billion | $27.30 Billion | -2.85pp |
| 2022-12-31 | 15.05% | $3.61 Billion | $24.01 Billion | -6.41pp |
| 2021-12-31 | 21.47% | $4.50 Billion | $20.95 Billion | +3.35pp |
| 2020-12-31 | 18.12% | $3.22 Billion | $17.79 Billion | +0.51pp |
| 2019-12-31 | 17.61% | $2.27 Billion | $12.92 Billion | -3.29pp |
| 2018-12-31 | 20.91% | $2.63 Billion | $12.57 Billion | -1.05pp |
| 2017-12-31 | 21.95% | $2.62 Billion | $11.92 Billion | -0.76pp |
| 2016-12-31 | 22.71% | $2.43 Billion | $10.71 Billion | -1.11pp |
| 2015-12-31 | 23.83% | $2.29 Billion | $9.62 Billion | +0.27pp |
| 2014-12-31 | 23.56% | $1.78 Billion | $7.57 Billion | -1.12pp |
| 2013-12-31 | 24.67% | $1.83 Billion | $7.43 Billion | -2.30pp |
| 2012-12-31 | 26.97% | $1.83 Billion | $6.80 Billion | +1.34pp |
| 2011-12-31 | 25.63% | $1.79 Billion | $6.98 Billion | -- |
About United Community Banks, Inc.
United Community Banks, Inc. operates as the bank holding company for United Community Bank that provides financial products and services to commercial, retail, government, education, energy, health care, and real estate sectors in the United States. The company offers deposit products, including checking, savings, money market, and other deposit accounts; and lending services, such as real estat… Read more