Union Bankshares Inc - Asset Resilience Ratio
Union Bankshares Inc (UNB) has an Asset Resilience Ratio of 10.22% 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 (2000–2024)
This chart shows how Union Bankshares Inc's Asset Resilience Ratio has changed over time. Check UNB strategic assets to equity ratio to assess the company's strategic physical and investment asset allocation.
Liquid Assets Composition Over Time
This chart breaks down Union Bankshares 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 cap of Union Bankshares Inc.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $160.80 Million | 10.22% |
| Total Liquid Assets | $160.80 Million | 10.22% |
Asset Resilience Insights
- Moderate Liquidity: Union Bankshares Inc has 10.22% 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.
Union Bankshares Inc Industry Peers by Asset Resilience Ratio
Compare Union Bankshares 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 Union Bankshares Inc (2000–2024)
The table below shows the annual Asset Resilience Ratio data for Union Bankshares Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 11.40% | $174.29 Million | $1.53 Billion | -6.57pp |
| 2023-12-31 | 17.97% | $264.38 Million | $1.47 Billion | -0.76pp |
| 2022-12-31 | 18.73% | $250.27 Million | $1.34 Billion | -3.49pp |
| 2021-12-31 | 22.22% | $267.82 Million | $1.21 Billion | +12.55pp |
| 2020-12-31 | 9.67% | $105.76 Million | $1.09 Billion | -0.34pp |
| 2019-12-31 | 10.01% | $87.39 Million | $872.91 Million | +0.90pp |
| 2018-12-31 | 9.11% | $73.41 Million | $805.34 Million | +0.34pp |
| 2017-12-31 | 8.77% | $65.44 Million | $745.75 Million | -0.71pp |
| 2016-12-31 | 9.48% | $65.56 Million | $691.47 Million | +0.88pp |
| 2015-12-31 | 8.60% | $54.11 Million | $628.88 Million | +1.27pp |
| 2014-12-31 | 7.33% | $45.75 Million | $623.85 Million | +1.47pp |
| 2013-12-31 | 5.86% | $34.28 Million | $584.92 Million | +2.29pp |
| 2012-12-31 | 3.57% | $20.63 Million | $577.26 Million | -4.20pp |
| 2011-12-31 | 7.77% | $42.95 Million | $552.75 Million | +2.73pp |
| 2010-12-31 | 5.04% | $22.89 Million | $454.08 Million | -3.94pp |
| 2009-12-31 | 8.98% | $40.17 Million | $447.52 Million | +0.72pp |
| 2008-12-31 | 8.25% | $36.33 Million | $440.10 Million | +5.08pp |
| 2007-12-31 | 3.17% | $12.48 Million | $393.36 Million | -0.68pp |
| 2006-12-31 | 3.85% | $14.68 Million | $381.15 Million | +1.51pp |
| 2005-12-31 | 2.35% | $8.79 Million | $374.75 Million | -0.91pp |
| 2004-12-31 | 3.25% | $11.70 Million | $359.53 Million | +1.17pp |
| 2003-12-31 | 2.08% | $7.44 Million | $356.65 Million | -2.29pp |
| 2002-12-31 | 4.38% | $15.04 Million | $343.49 Million | +0.72pp |
| 2001-12-31 | 3.65% | $12.33 Million | $337.48 Million | +2.73pp |
| 2000-12-31 | 0.92% | $2.79 Million | $303.39 Million | -- |
About Union Bankshares Inc
Union Bankshares, Inc. operates as the bank holding company for Union Bank that provides retail, commercial, and municipal banking products and services in the United States. The company offers retail depository services, such as personal checking, savings, money market, IRA/SEP/KEOGH, and health savings accounts, as well as certificates of deposit. It also provides commercial real estate loans; … Read more