Westamerica Bancorporation - Asset Resilience Ratio
Westamerica Bancorporation (WABC) has an Asset Resilience Ratio of 58.20% as of December 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 Westamerica Bancorporation current assets vs equity to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (1996–2025)
This chart shows how Westamerica Bancorporation's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see balance sheet size of Westamerica Bancorporation.
Liquid Assets Composition Over Time
This chart breaks down Westamerica Bancorporation's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore WABC long-term investment intensity 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 | $3.47 Billion | 58.2% |
| Total Liquid Assets | $3.47 Billion | 58.20% |
Asset Resilience Insights
- Very High Liquidity: Westamerica Bancorporation maintains exceptional liquid asset reserves at 58.20% of total assets.
- This level provides strong protection against economic uncertainties but may indicate potential for more aggressive growth investments.
- The company has significant short-term investments, indicating active treasury management.
Westamerica Bancorporation Industry Peers by Asset Resilience Ratio
Compare Westamerica Bancorporation'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 Westamerica Bancorporation (1996–2025)
The table below shows the annual Asset Resilience Ratio data for Westamerica Bancorporation.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 58.20% | $3.47 Billion | $5.96 Billion | +36.17pp |
| 2024-12-31 | 22.03% | $1.34 Billion | $6.08 Billion | -40.82pp |
| 2023-12-31 | 62.84% | $4.00 Billion | $6.36 Billion | +0.52pp |
| 2022-12-31 | 62.32% | $4.33 Billion | $6.95 Billion | +0.15pp |
| 2021-12-31 | 62.17% | $4.64 Billion | $7.46 Billion | +1.96pp |
| 2020-12-31 | 60.21% | $4.06 Billion | $6.75 Billion | +5.43pp |
| 2019-12-31 | 54.79% | $3.08 Billion | $5.62 Billion | +7.12pp |
| 2018-12-31 | 47.67% | $2.65 Billion | $5.57 Billion | +7.92pp |
| 2017-12-31 | 39.75% | $2.19 Billion | $5.51 Billion | +4.52pp |
| 2016-12-31 | 35.24% | $1.89 Billion | $5.37 Billion | +4.86pp |
| 2015-12-31 | 30.38% | $1.57 Billion | $5.17 Billion | -1.41pp |
| 2014-12-31 | 31.79% | $1.60 Billion | $5.04 Billion | +9.52pp |
| 2013-12-31 | 22.27% | $1.08 Billion | $4.85 Billion | +5.60pp |
| 2012-12-31 | 16.67% | $825.64 Million | $4.95 Billion | +4.00pp |
| 2011-12-31 | 12.67% | $638.75 Million | $5.04 Billion | +12.68pp |
| 2010-12-31 | -0.01% | $-392.00K | $4.93 Billion | -0.02pp |
| 2009-12-31 | 0.01% | $442.00K | $4.98 Billion | -7.14pp |
| 2008-12-31 | 7.15% | $288.45 Million | $4.03 Billion | +7.15pp |
| 2007-12-31 | 0.01% | $333.00K | $4.56 Billion | 0.00pp |
| 2006-12-31 | 0.01% | $567.00K | $4.77 Billion | -12.83pp |
| 2005-12-31 | 12.84% | $662.39 Million | $5.16 Billion | -6.82pp |
| 2004-12-31 | 19.67% | $931.71 Million | $4.74 Billion | -11.23pp |
| 2003-12-31 | 30.90% | $1.41 Billion | $4.58 Billion | +8.46pp |
| 2002-12-31 | 22.43% | $947.85 Million | $4.22 Billion | +22.42pp |
| 2001-12-31 | 0.01% | $534.00K | $3.93 Billion | +0.01pp |
| 2000-12-31 | 0.01% | $250.00K | $4.03 Billion | +5.33pp |
| 1996-12-31 | -5.32% | $-205.80 Million | $3.87 Billion | -- |
About Westamerica Bancorporation
Westamerica Bancorporation operates as a bank holding company for the Westamerica Bank that provides various banking products and services to individual and commercial customers in the United States. The company accepts various deposit products, including retail savings and checking accounts, as well as certificates of deposit. Its loan portfolio includes commercial, commercial and residential re… Read more