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. Read Westamerica Bancorporation (WABC) financial obligations for a breakdown of total debt and financial obligations.
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. See WABC book value for net asset value and shareholders' equity analysis.
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. For market capitalisation and broader financial context, see Westamerica Bancorporation (WABC) total market value.
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 |
|---|---|---|
|
Hong Leong Bank Bhd
KLSE:5819 |
Banks - Regional | -6.27% |
|
First Merchants Corporation
NASDAQ:FRME |
Banks - Regional | 7.40% |
|
TF Bank AB
ST:TFBANK |
Banks - Regional | -0.15% |
|
Banco do Estado do Rio Grande do Sul S.A
SA:BRSR3 |
Banks - Regional | 0.00% |
|
Caisse Regionale de Credit Agricole Mutuel d’IlleetVilaine SC
PA:CIV |
Banks - Regional | -6.94% |
|
Blue Foundry Bancorp
NASDAQ:BLFY |
Banks - Regional | 12.71% |
|
Banco Alfa de Investimento S.A
SA:BRIV3 |
Banks - Regional | 0.53% |
|
Caisse Regionale de Credit Agricole Mutuel Loire HauteLoire
PA:CRLO |
Banks - Regional | 2021.38% |
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