Community Bank System Inc - Asset Resilience Ratio

Latest as of March 2026: 14.26%

Community Bank System Inc (CBU) has an Asset Resilience Ratio of 14.26% as of March 2026. 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 CBU PP&E to net assets ratio to assess the company's strategic physical and investment asset allocation.

Liquid Assets

$2.53 Billion

Cash + Short-term Investments

Total Assets

$17.74 Billion

All company assets

Resilience Assessment

Moderate

Financial Resilience Level

Asset Resilience Ratio Trend (2006–2025)

This chart shows how Community Bank System Inc's Asset Resilience Ratio has changed over time. See Community Bank System Inc (CBU) net asset quality to measure how much of total assets are equity-financed.

Liquid Assets Composition Over Time

This chart breaks down Community Bank System 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 Community Bank System Inc market capitalisation.

Current Liquid Assets Breakdown

Component	Amount	% of Total Assets
Cash & Equivalents	$0.00	0%
Short-term Investments	$2.53 Billion	14.26%
Total Liquid Assets	$2.53 Billion	14.26%

Asset Resilience Insights

Moderate Liquidity: Community Bank System Inc has 14.26% 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.

Community Bank System Inc Industry Peers by Asset Resilience Ratio

Compare Community Bank System 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 Community Bank System Inc (2006–2025)

The table below shows the annual Asset Resilience Ratio data for Community Bank System Inc.

Year	Asset Resilience Ratio (%)	Liquid Assets	Total Assets	Change
2025-12-31	16.51%	$2.88 Billion	$17.41 Billion	+14.58pp
2024-12-31	1.93%	$317.07 Million	$16.39 Billion	-16.84pp
2023-12-31	18.77%	$2.92 Billion	$15.56 Billion	-7.45pp
2022-12-31	26.22%	$4.15 Billion	$15.84 Billion	-5.51pp
2021-12-31	31.73%	$4.93 Billion	$15.55 Billion	+6.26pp
2020-12-31	25.47%	$3.55 Billion	$13.93 Billion	-1.21pp
2019-12-31	26.68%	$3.04 Billion	$11.41 Billion	-1.00pp
2018-12-31	27.68%	$2.94 Billion	$10.61 Billion	-0.53pp
2017-12-31	28.21%	$3.03 Billion	$10.75 Billion	-3.51pp
2016-12-31	31.71%	$2.75 Billion	$8.67 Billion	-1.12pp
2015-12-31	32.83%	$2.81 Billion	$8.55 Billion	-0.19pp
2014-12-31	33.02%	$2.47 Billion	$7.49 Billion	+2.21pp
2013-12-31	30.81%	$2.19 Billion	$7.10 Billion	+2.51pp
2012-12-31	28.30%	$2.12 Billion	$7.50 Billion	+4.58pp
2011-12-31	23.72%	$1.54 Billion	$6.49 Billion	+3.77pp
2010-12-31	19.95%	$1.09 Billion	$5.44 Billion	-0.35pp
2009-12-31	20.30%	$1.10 Billion	$5.40 Billion	-5.10pp
2008-12-31	25.40%	$1.31 Billion	$5.17 Billion	-1.31pp
2007-12-31	26.71%	$1.25 Billion	$4.70 Billion	+2.62pp
2006-12-31	24.09%	$1.08 Billion	$4.50 Billion	--

pp = percentage points

About Community Bank System Inc

NYSE:CBU USA Banks - Regional

Market Cap

$3.28 Billion

Market Cap Rank

#4767 Global

#1575 in USA

Share Price

$62.34

Change (1 day)

+1.80%

52-Week Range

$51.46 - $66.77

All Time High

$73.93