Waterstone Financial Inc - Asset Resilience Ratio
Waterstone Financial Inc (WSBF) has an Asset Resilience Ratio of 10.22% 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 Waterstone Financial Inc balance sheet liabilities for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2002–2025)
This chart shows how Waterstone Financial Inc's Asset Resilience Ratio has changed over time. See WSBF total equity for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down Waterstone Financial Inc'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 WSBF stock market capitalisation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $230.85 Million | 10.22% |
| Total Liquid Assets | $230.85 Million | 10.22% |
Asset Resilience Insights
- Moderate Liquidity: Waterstone Financial 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.
Waterstone Financial Inc Industry Peers by Asset Resilience Ratio
Compare Waterstone Financial Inc'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 Waterstone Financial Inc (2002–2025)
The table below shows the annual Asset Resilience Ratio data for Waterstone Financial Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 10.22% | $230.85 Million | $2.26 Billion | +3.17pp |
| 2024-12-31 | 7.05% | $155.78 Million | $2.21 Billion | -2.21pp |
| 2023-12-31 | 9.26% | $204.91 Million | $2.21 Billion | -0.42pp |
| 2022-12-31 | 9.68% | $196.59 Million | $2.03 Billion | +1.60pp |
| 2021-12-31 | 8.08% | $179.02 Million | $2.22 Billion | +0.77pp |
| 2020-12-31 | 7.31% | $159.62 Million | $2.18 Billion | -1.63pp |
| 2019-12-31 | 8.94% | $178.48 Million | $2.00 Billion | -0.76pp |
| 2018-12-31 | 9.70% | $185.72 Million | $1.92 Billion | -1.36pp |
| 2017-12-31 | 11.06% | $199.71 Million | $1.81 Billion | -1.61pp |
| 2016-12-31 | 12.67% | $226.79 Million | $1.79 Billion | -2.63pp |
| 2015-12-31 | 15.30% | $269.66 Million | $1.76 Billion | -0.04pp |
| 2014-12-31 | 15.33% | $273.44 Million | $1.78 Billion | +4.37pp |
| 2013-12-31 | 10.96% | $213.42 Million | $1.95 Billion | -1.38pp |
| 2012-12-31 | 12.34% | $205.02 Million | $1.66 Billion | +0.29pp |
| 2011-12-31 | 12.06% | $206.52 Million | $1.71 Billion | +11.54pp |
| 2010-12-31 | 0.52% | $9.43 Million | $1.81 Billion | +0.29pp |
| 2009-12-31 | 0.23% | $4.25 Million | $1.87 Billion | -0.25pp |
| 2008-12-31 | 0.48% | $9.00 Million | $1.89 Billion | -0.25pp |
| 2007-12-31 | 0.72% | $12.39 Million | $1.71 Billion | -2.13pp |
| 2006-12-31 | 2.85% | $47.06 Million | $1.65 Billion | +2.11pp |
| 2004-12-31 | 0.75% | $10.36 Million | $1.39 Billion | +0.08pp |
| 2003-12-31 | 0.67% | $8.28 Million | $1.24 Billion | -1.26pp |
| 2002-12-31 | 1.93% | $21.28 Million | $1.10 Billion | -- |
About Waterstone Financial Inc
Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the United States. It operates in two segments, Community Banking and Mortgage Banking. The Community Banking segment offers consumer and business banking products and services, such as deposit and transactional solutions, such as c… Read more