First Commonwealth Financial Asset Resilience Ratio
First Commonwealth Financial asset resilience ratio. First Commonwealth Financial (FCF) has an Asset Resilience Ratio of 9.23% as of June 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 First Commonwealth Financial (FCF) 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 First Commonwealth Financial (2000–2025)
Asset resilience ratio of First Commonwealth Financial from 2000 to 2025. This chart shows how First Commonwealth Financial's Asset Resilience Ratio has changed over time. Read First Commonwealth Financial debt and liabilities for a breakdown of total debt and financial obligations.
Liquid Assets Composition Over Time
This chart breaks down First Commonwealth Financial'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 how large is First Commonwealth Financial's balance sheet.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $1.13 Billion | 9.23% |
| Total Liquid Assets | $1.13 Billion | 9.23% |
Asset Resilience Insights
- Limited Liquidity: First Commonwealth Financial maintains only 9.23% 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.
First Commonwealth Financial Industry Peers by Asset Resilience Ratio
Compare First Commonwealth Financial'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% |
|
Itau Unibanco Banco Holding SA
NYSE:ITUB |
Banks - Regional | 3.55% |
|
Spar Nord Bank
CO:SPNO |
Banks - Regional | -3.96% |
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank Ina Perdana PT
JK:BINA |
Banks - Regional | -30.89% |
|
Bank Rakyat Indonesia Agroniaga
JK:AGRO |
Banks - Regional | 8.38% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
First Commonwealth Financial Asset Resilience Ratio by Year (2000–2025)
First Commonwealth Financial asset resilience ratio by year from 2000 to 2025. The table below shows the annual Asset Resilience Ratio data for First Commonwealth Financial.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 8.51% | $1.05 Billion | $12.37 Billion | -1.40pp |
| 2024-12-31 | 9.91% | $1.15 Billion | $11.58 Billion | +1.00pp |
| 2023-12-31 | 8.91% | $1.02 Billion | $11.46 Billion | +1.13pp |
| 2022-12-31 | 7.78% | $762.66 Million | $9.81 Billion | -3.13pp |
| 2021-12-31 | 10.91% | $1.04 Billion | $9.55 Billion | +1.74pp |
| 2020-12-31 | 9.17% | $831.22 Million | $9.07 Billion | -1.69pp |
| 2019-12-31 | 10.86% | $902.29 Million | $8.31 Billion | -0.76pp |
| 2018-12-31 | 11.61% | $909.25 Million | $7.83 Billion | +1.61pp |
| 2017-12-31 | 10.01% | $731.36 Million | $7.31 Billion | -1.64pp |
| 2016-12-31 | 11.65% | $778.61 Million | $6.68 Billion | -1.85pp |
| 2015-12-31 | 13.50% | $886.56 Million | $6.57 Billion | -7.09pp |
| 2014-12-31 | 20.59% | $1.31 Billion | $6.36 Billion | -0.62pp |
| 2013-12-31 | 21.21% | $1.32 Billion | $6.21 Billion | +1.68pp |
| 2012-12-31 | 19.54% | $1.17 Billion | $6.00 Billion | -0.03pp |
| 2011-12-31 | 19.56% | $1.14 Billion | $5.84 Billion | +2.92pp |
| 2010-12-31 | 16.65% | $967.72 Million | $5.81 Billion | -0.94pp |
| 2009-12-31 | 17.59% | $1.13 Billion | $6.45 Billion | -4.22pp |
| 2008-12-31 | 21.81% | $1.40 Billion | $6.43 Billion | -4.95pp |
| 2007-12-31 | 26.76% | $1.57 Billion | $5.88 Billion | -0.46pp |
| 2006-12-31 | 27.21% | $1.64 Billion | $6.04 Billion | -3.52pp |
| 2005-12-31 | 30.73% | $1.85 Billion | $6.03 Billion | -4.15pp |
| 2004-12-31 | 34.88% | $2.16 Billion | $6.20 Billion | -3.06pp |
| 2003-12-31 | 37.95% | $1.97 Billion | $5.19 Billion | +5.18pp |
| 2002-12-31 | 32.77% | $1.48 Billion | $4.52 Billion | +0.72pp |
| 2001-12-31 | 32.05% | $1.47 Billion | $4.58 Billion | +31.79pp |
| 2000-12-31 | 0.26% | $11.55 Million | $4.37 Billion | -- |
About First Commonwealth Financial
First Commonwealth Financial Corporation, a financial holding company, provides various consumer and commercial banking products and services in the United States. The company's consumer services include internet, mobile, and telephone banking; an automated teller machine network; personal checking accounts, interest-earning checking accounts, savings and health savings accounts, insured money ma… Read more