Berkshire Hills Bancorp Inc - Asset Resilience Ratio
Berkshire Hills Bancorp Inc (BHLB) has an Asset Resilience Ratio of 5.57% as of June 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. Check Berkshire Hills Bancorp Inc (BHLB) strategic asset index to assess the company's strategic physical and investment asset allocation.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2024)
This chart shows how Berkshire Hills Bancorp Inc's Asset Resilience Ratio has changed over time. See Berkshire Hills Bancorp Inc balance sheet quality to measure how much of total assets are equity-financed.
Liquid Assets Composition Over Time
This chart breaks down Berkshire Hills Bancorp 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 Berkshire Hills Bancorp Inc stock valuation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $670.76 Million | 5.57% |
| Total Liquid Assets | $670.76 Million | 5.57% |
Asset Resilience Insights
- Limited Liquidity: Berkshire Hills Bancorp Inc maintains only 5.57% 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.
Berkshire Hills Bancorp Inc Industry Peers by Asset Resilience Ratio
Compare Berkshire Hills Bancorp Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Standard Bank Group Ltd
JSE:SBK |
Banks - Regional | -9.21% |
|
Grupo Financiero Inbursa S.A.B. de C.V
MX:GFINBURO |
Banks - Regional | 2.07% |
|
Hua Xia Bank Co Ltd
SHG:600015 |
Banks - Regional | 4.86% |
|
International Bancshares Corporation
NASDAQ:IBOC |
Banks - Regional | 28.98% |
|
Judo Capital Holdings Ltd
AU:JDO |
Banks - Regional | 10.76% |
|
TF Bank AB
ST:TFBANK |
Banks - Regional | -0.15% |
|
Bank Tabungan Negara Persero
JK:BBTN |
Banks - Regional | -3.50% |
|
Mystate Ltd
AU:MYS |
Banks - Regional | 8.81% |
Annual Asset Resilience Ratio for Berkshire Hills Bancorp Inc (2000–2024)
The table below shows the annual Asset Resilience Ratio data for Berkshire Hills Bancorp Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 4.56% | $559.50 Million | $12.27 Billion | -3.67pp |
| 2023-12-31 | 8.22% | $1.02 Billion | $12.43 Billion | -3.98pp |
| 2022-12-31 | 12.20% | $1.42 Billion | $11.66 Billion | -4.05pp |
| 2021-12-31 | 16.25% | $1.88 Billion | $11.55 Billion | +3.04pp |
| 2020-12-31 | 13.20% | $1.70 Billion | $12.84 Billion | +3.28pp |
| 2019-12-31 | 9.92% | $1.31 Billion | $13.22 Billion | -1.54pp |
| 2018-12-31 | 11.46% | $1.40 Billion | $12.21 Billion | -0.47pp |
| 2017-12-31 | 11.93% | $1.38 Billion | $11.57 Billion | -1.27pp |
| 2016-12-31 | 13.20% | $1.21 Billion | $9.16 Billion | -1.54pp |
| 2015-12-31 | 14.74% | $1.15 Billion | $7.83 Billion | -2.05pp |
| 2014-12-31 | 16.79% | $1.09 Billion | $6.50 Billion | +3.39pp |
| 2013-12-31 | 13.40% | $760.05 Million | $5.67 Billion | +4.60pp |
| 2012-12-31 | 8.80% | $466.17 Million | $5.30 Billion | -1.71pp |
| 2011-12-31 | 10.51% | $419.76 Million | $3.99 Billion | +9.84pp |
| 2010-12-31 | 0.68% | $19.50 Million | $2.88 Billion | +0.42pp |
| 2009-12-31 | 0.25% | $6.84 Million | $2.70 Billion | -0.46pp |
| 2008-12-31 | 0.71% | $19.02 Million | $2.67 Billion | -8.00pp |
| 2007-12-31 | 8.71% | $219.04 Million | $2.51 Billion | -0.32pp |
| 2006-12-31 | 9.03% | $194.21 Million | $2.15 Billion | +9.03pp |
| 2005-12-31 | 0.01% | $110.00K | $2.04 Billion | -0.20pp |
| 2004-12-31 | 0.20% | $2.67 Million | $1.31 Billion | -1.42pp |
| 2002-12-31 | 1.63% | $17.00 Million | $1.05 Billion | +0.46pp |
| 2001-12-31 | 1.16% | $12.00 Million | $1.03 Billion | +0.67pp |
| 2000-12-31 | 0.49% | $5.00 Million | $1.01 Billion | -- |
About Berkshire Hills Bancorp Inc
Berkshire Hills Bancorp, Inc. operates as the bank holding company for Berkshire Bank that provides commercial and retail banking consumer lending, private banking and wealth management services in the United States. The company provides various deposit accounts, including demand deposit, interest-bearing checking, regular savings, money market savings, time certificates of deposit, and retiremen… Read more