Union Bankshares Inc - Asset Resilience Ratio

Latest as of September 2025: 10.22%

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. See Union Bankshares Inc current assets vs equity to evaluate short-term liquidity relative to the company's equity base.

Liquid Assets

$160.80 Million

Cash + Short-term Investments

Total Assets

$1.57 Billion

All company assets

Resilience Assessment

Moderate

Financial Resilience Level

Asset Resilience Ratio Trend (2000–2024)

This chart shows how Union Bankshares Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see UNB current and non-current assets.

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. Explore investment intensity of Union Bankshares Inc to see how much of total assets are deployed in long-term investments.

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
Santander Bank Polska S.A. WAR:SPL	Banks - Regional	4.41%
Banco Santander Chile NYSE:BSAC	Banks - Regional	7.94%
Bank of Baroda NSE:BANKBARODA	Banks - Regional	-12.63%
Turkiye Is Bankasi AS Class C IS:ISCTR	Banks - Regional	-38.78%
Ringkjoebing Landbobank A/S CO:RILBA	Banks - Regional	0.03%
ABSA Bank Limited JSE:ABSP	Banks - Regional	2.72%
Mechanics Bank NASDAQ:MCHB	Banks - Regional	18.39%
Laurentian Bank Of Canada TO:LB	Banks - Regional	0.55%

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	--

pp = percentage points

About Union Bankshares Inc

NASDAQ:UNB USA Banks - Regional

Market Cap

$108.19 Million

Market Cap Rank

#18977 Global

#4384 in USA

Share Price

$23.61

Change (1 day)

+0.13%

52-Week Range

$21.50 - $26.27

All Time High

$40.28