Community Bank System Inc Asset Resilience Ratio
Community Bank System Inc asset resilience ratio. 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. See Community Bank System Inc (CBU) defensive interval to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of Community Bank System Inc (2006–2025)
Asset resilience ratio of Community Bank System Inc from 2006 to 2025. This chart shows how Community Bank System Inc's Asset Resilience Ratio has changed over time. Read total liabilities of Community Bank System Inc for a breakdown of total debt and financial obligations.
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 the complete balance sheet picture, see Community Bank System Inc balance sheet assets.
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 |
|---|---|---|
|
Societe Generale S.A.
PA:GLE |
Banks - Regional | 11.25% |
|
CIMB Group Holdings Bhd
KLSE:1023 |
Banks - Regional | 1.96% |
|
WOORI FIN. GRP SP.ADR/3
F:2WGA |
Banks - Regional | 13.88% |
|
Bank of Queensland Ltd
AU:BOQ |
Banks - Regional | 0.21% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Graubuendner Kantonalbank
SW:GRKP |
Banks - Regional | -38.39% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Bank Multiarta Sentosa PT
JK:MASB |
Banks - Regional | 1.29% |
Community Bank System Inc Asset Resilience Ratio by Year (2006–2025)
Community Bank System Inc asset resilience ratio by year from 2006 to 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 | -- |
About Community Bank System Inc
Community Financial System, Inc. operates as the bank holding company for Community Bank, N.A. that provides various banking and other financial services to retail, commercial, institutional, and governmental customers. The company operates in four segments: Banking, Employee Benefit Services, Insurance Services and Wealth Management Services. The Banking Segment offers lending and depository-rel… Read more