Community Bank System Inc - Asset Resilience Ratio

Latest as of December 2025: 16.51%

Community Bank System Inc (CBU) has an Asset Resilience Ratio of 16.51% 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 CBU liabilities breakdown for a breakdown of total debt and financial obligations.

Liquid Assets

$2.88 Billion

Cash + Short-term Investments

Total Assets

$17.41 Billion

All company assets

Resilience Assessment

Good

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 what is Community Bank System Inc's book value for net asset value and shareholders' equity analysis.

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	$2.88 Billion	16.51%
Total Liquid Assets	$2.88 Billion	16.51%

Asset Resilience Insights

Good Liquidity Position: Community Bank System Inc maintains a healthy 16.51% of assets in liquid form.
This level provides good financial flexibility while maintaining productive asset deployment.
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
Bank of Guiyang Co Ltd SHG:601997	Banks - Regional	-0.78%
VersaBank TO:VBNK	Banks - Regional	1.65%
Bank Agris Tbk JK:AGRS	Banks - Regional	1.98%
RMB Holdings Ltd JSE:RMH	Banks - Regional	20.83%
Bank Tabungan Pensiunan Nasional Syariah PT JK:BTPS	Banks - Regional	44.92%
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%

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

$3.35 Billion

Market Cap Rank

#4865 Global

#1560 in USA

Share Price

$63.62

Change (1 day)

+0.41%

52-Week Range

$51.46 - $66.77

All Time High

$73.93