Ameris Bancorp - Asset Resilience Ratio
Ameris Bancorp (ABCB) has an Asset Resilience Ratio of 8.02% 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 Ameris Bancorp total liabilities for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how Ameris Bancorp's Asset Resilience Ratio has changed over time. See ABCB net assets for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down Ameris Bancorp'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 how much is Ameris Bancorp worth.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $2.21 Billion | 8.02% |
| Total Liquid Assets | $2.21 Billion | 8.02% |
Asset Resilience Insights
- Limited Liquidity: Ameris Bancorp maintains only 8.02% 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.
Ameris Bancorp Industry Peers by Asset Resilience Ratio
Compare Ameris Bancorp's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Wintrust Financial Corporation
NASDAQ:WTFC |
Banks - Regional | 8.77% |
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
Grupo Financiero Inbursa S.A.B. de C.V
MX:GFINBURO |
Banks - Regional | 2.07% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank Tabungan Negara Persero
JK:BBTN |
Banks - Regional | -3.50% |
|
Banestes S.A - Banco do Estado do Espírito Santo
SA:BEES3 |
Banks - Regional | 16.20% |
|
Groenlandsbanken AS
CO:GRLA |
Banks - Regional | -1.02% |
|
Banque Cantonale Du Jura SA
SW:BCJ |
Banks - Regional | -33.00% |
Annual Asset Resilience Ratio for Ameris Bancorp (2000–2025)
The table below shows the annual Asset Resilience Ratio data for Ameris Bancorp.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 8.02% | $2.21 Billion | $27.52 Billion | +1.66pp |
| 2024-12-31 | 6.36% | $1.67 Billion | $26.26 Billion | +0.80pp |
| 2023-12-31 | 5.57% | $1.40 Billion | $25.20 Billion | -0.42pp |
| 2022-12-31 | 5.99% | $1.50 Billion | $25.05 Billion | +3.50pp |
| 2021-12-31 | 2.48% | $592.62 Million | $23.86 Billion | -2.33pp |
| 2020-12-31 | 4.81% | $982.88 Million | $20.44 Billion | -2.88pp |
| 2019-12-31 | 7.69% | $1.40 Billion | $18.24 Billion | -2.73pp |
| 2018-12-31 | 10.42% | $1.19 Billion | $11.44 Billion | +0.10pp |
| 2017-12-31 | 10.32% | $810.87 Million | $7.86 Billion | -1.62pp |
| 2016-12-31 | 11.94% | $822.74 Million | $6.89 Billion | -2.08pp |
| 2015-12-31 | 14.01% | $783.18 Million | $5.59 Billion | +0.59pp |
| 2014-12-31 | 13.42% | $541.80 Million | $4.04 Billion | +0.16pp |
| 2013-12-31 | 13.26% | $486.24 Million | $3.67 Billion | +1.77pp |
| 2012-12-31 | 11.49% | $346.91 Million | $3.02 Billion | +0.14pp |
| 2011-12-31 | 11.35% | $339.97 Million | $2.99 Billion | +10.94pp |
| 2010-12-31 | 0.42% | $12.44 Million | $2.97 Billion | +0.12pp |
| 2009-12-31 | 0.30% | $7.26 Million | $2.42 Billion | -0.06pp |
| 2008-12-31 | 0.36% | $8.63 Million | $2.41 Billion | -12.30pp |
| 2007-12-31 | 12.66% | $267.34 Million | $2.11 Billion | -0.40pp |
| 2006-12-31 | 13.06% | $267.34 Million | $2.05 Billion | +8.88pp |
| 2005-12-31 | 4.17% | $70.85 Million | $1.70 Billion | -1.32pp |
| 2004-12-31 | 5.49% | $69.62 Million | $1.27 Billion | +2.44pp |
| 2003-12-31 | 3.05% | $35.63 Million | $1.17 Billion | -3.49pp |
| 2002-12-31 | 6.54% | $77.98 Million | $1.19 Billion | -2.49pp |
| 2001-12-31 | 9.03% | $106.22 Million | $1.18 Billion | +8.43pp |
| 2000-12-31 | 0.60% | $4.95 Million | $826.20 Million | -- |
About Ameris Bancorp
Ameris Bancorp operates as the bank holding company for Ameris Bank that provides various banking services to retail and commercial customers. It operates through four segments: Banking Division, Retail Mortgage Division, Warehouse Lending Division, and Premium Finance Division. The company offers commercial and retail checking, interest-bearing savings, money market, individual retirement, and c… Read more