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 working capital position of First Commonwealth Financial to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how First Commonwealth Financial's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see FCF total assets.
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. Explore First Commonwealth Financial strategic investment ratio to see how much of total assets are deployed in long-term investments.
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 |
|---|---|---|
|
Santander Bank Polska S.A.
WAR:SPL |
Banks - Regional | 4.41% |
|
Banco Santander Chile
NYSE:BSAC |
Banks - Regional | 7.94% |
|
Bank of Baroda
NSE:BANKBARODA |
Banks - Regional | -12.63% |
|
Turkiye Is Bankasi AS Class C
IS:ISCTR |
Banks - Regional | -38.78% |
|
Ringkjoebing Landbobank A/S
CO:RILBA |
Banks - Regional | 0.03% |
|
ABSA Bank Limited
JSE:ABSP |
Banks - Regional | 2.72% |
|
Mechanics Bank
NASDAQ:MCHB |
Banks - Regional | 18.39% |
|
Laurentian Bank Of Canada
TO:LB |
Banks - Regional | 0.55% |
Annual Asset Resilience Ratio for First Commonwealth Financial (2000–2025)
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