Village Bank and Trust Financial
Village Bank and Trust Financial Corp. primarily operates as the bank holding company for Village Bank that provides banking and related financial services to small and medium sized businesses, professionals, and individuals in the United States. It operates through two segments: Traditional Commercial Banking and Mortgage Banking. The company accepts checking, demand, savings, money market, and … Read more
Village Bank and Trust Financial - Asset Resilience Ratio
Village Bank and Trust Financial (VBFC) has an Asset Resilience Ratio of 9.97% as of December 2024. 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 (2003–2024)
This chart shows how Village Bank and Trust Financial's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Village Bank and Trust Financial's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $75.38 Million | 9.97% |
| Total Liquid Assets | $75.38 Million | 9.97% |
Asset Resilience Insights
- Limited Liquidity: Village Bank and Trust Financial maintains only 9.97% 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.
Village Bank and Trust Financial Industry Peers by Asset Resilience Ratio
Compare Village Bank and Trust Financial's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for Village Bank and Trust Financial (2003–2024)
The table below shows the annual Asset Resilience Ratio data for Village Bank and Trust Financial.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 9.97% | $75.38 Million | $756.16 Million | -4.36pp |
| 2023-12-31 | 14.33% | $105.58 Million | $736.62 Million | -4.17pp |
| 2022-12-31 | 18.51% | $133.85 Million | $723.27 Million | +5.85pp |
| 2021-12-31 | 12.65% | $94.70 Million | $748.40 Million | +6.87pp |
| 2020-12-31 | 5.78% | $40.84 Million | $706.24 Million | -2.90pp |
| 2019-12-31 | 8.69% | $46.94 Million | $540.31 Million | +0.09pp |
| 2018-12-31 | 8.60% | $44.25 Million | $514.87 Million | -1.82pp |
| 2017-12-31 | 10.41% | $49.71 Million | $477.45 Million | +0.54pp |
| 2016-12-31 | 9.87% | $43.89 Million | $444.80 Million | +0.84pp |
| 2015-12-31 | 9.03% | $37.92 Million | $419.94 Million | -0.08pp |
| 2014-12-31 | 9.11% | $39.54 Million | $434.00 Million | -3.89pp |
| 2013-12-31 | 13.00% | $57.75 Million | $444.17 Million | +8.07pp |
| 2012-12-31 | 4.93% | $25.15 Million | $510.09 Million | -0.25pp |
| 2011-12-31 | 5.19% | $30.16 Million | $581.70 Million | -0.91pp |
| 2010-12-31 | 6.09% | $36.07 Million | $591.78 Million | +0.59pp |
| 2009-12-31 | 5.50% | $33.17 Million | $602.96 Million | +3.14pp |
| 2008-12-31 | 2.36% | $13.49 Million | $572.41 Million | -1.83pp |
| 2007-12-31 | 4.19% | $16.47 Million | $393.26 Million | +2.31pp |
| 2005-12-31 | 1.88% | $4.04 Million | $214.97 Million | -1.54pp |
| 2004-12-31 | 3.41% | $5.47 Million | $160.30 Million | +1.66pp |
| 2003-12-31 | 1.75% | $2.02 Million | $115.06 Million | -- |