Westamerica Bancorporation Asset Resilience Ratio
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 (WABC) defensive interval to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of Westamerica Bancorporation (1996–2025)
Asset resilience ratio of Westamerica Bancorporation from 1996 to 2025. This chart shows how Westamerica Bancorporation's Asset Resilience Ratio has changed over time. Read WABC total debt and obligations for a breakdown of total debt and financial obligations.
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 the complete balance sheet picture, see Westamerica Bancorporation total assets.
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 |
|---|---|---|
|
Commerzbank AG
XETRA:CBK |
Banks - Regional | 5.22% |
|
CIMB Group Holdings Bhd
KLSE:1023 |
Banks - Regional | 1.96% |
|
BNK Banking Corporation Ltd
AU:BBC |
Banks - Regional | 8.96% |
|
Banco Bradesco DRC
BA:BBD |
Banks - Regional | 4.82% |
|
Grupo Financiero Galicia S.A.
BA:GGAL |
Banks - Regional | 8.18% |
|
Banco Macro SA B
BA:BMA |
Banks - Regional | 0.55% |
|
BBVA Banco Frances SA
BA:BBAR |
Banks - Regional | 7.45% |
|
Banco Patagonia
BA:BPAT |
Banks - Regional | 0.44% |
Westamerica Bancorporation Asset Resilience Ratio by Year (1996–2025)
Westamerica Bancorporation asset resilience ratio by year from 1996 to 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