First Commonwealth Financial - Asset Resilience Ratio
First Commonwealth Financial (FCF) has an Asset Resilience Ratio of 8.53% 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 how much debt does First Commonwealth Financial carry for a breakdown of total debt and financial obligations.
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. See FCF book value for net asset value and shareholders' equity analysis.
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 market capitalisation and broader financial context, see how much is First Commonwealth Financial worth.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $1.05 Billion | 8.53% |
| Total Liquid Assets | $1.05 Billion | 8.53% |
Asset Resilience Insights
- Limited Liquidity: First Commonwealth Financial maintains only 8.53% 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 |
|---|---|---|
|
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 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 | 8.53% | $1.05 Billion | $12.34 Billion | -1.38pp |
| 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