Evans Bancorp Inc - Asset Resilience Ratio
Evans Bancorp Inc (EVBN) has an Asset Resilience Ratio of 7.59% as of December 2024. 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.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2024)
This chart shows how Evans Bancorp Inc's Asset Resilience Ratio has changed over time. Check Evans Bancorp Inc strategic capital allocation to assess the company's strategic physical and investment asset allocation.
Liquid Assets Composition Over Time
This chart breaks down Evans Bancorp 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 how much is Evans Bancorp Inc worth.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $165.93 Million | 7.59% |
| Total Liquid Assets | $165.93 Million | 7.59% |
Asset Resilience Insights
- Limited Liquidity: Evans Bancorp Inc maintains only 7.59% 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.
Evans Bancorp Inc Industry Peers by Asset Resilience Ratio
Compare Evans Bancorp Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Deutsche Bank Aktiengesellschaft
F:DBK |
Banks - Regional | 3.17% |
|
Regions Financial Corporation
NYSE:RF |
Banks - Regional | 17.06% |
|
Bank of Hangzhou Co Ltd
SHG:600926 |
Banks - Regional | 7.20% |
|
Banco Santander Chile
SN:BSANTANDER |
Banks - Regional | 6.33% |
|
Grupo Financiero Inbursa S.A.B. de C.V
MX:GFINBURO |
Banks - Regional | 2.07% |
|
Synovus Financial Corp
NYSE:SNV |
Banks - Regional | 4.05% |
|
Bank of Queensland Ltd
AU:BOQ |
Banks - Regional | 0.21% |
|
Regional S.A.B. de C.V
MX:RA |
Banks - Regional | 0.00% |
Annual Asset Resilience Ratio for Evans Bancorp Inc (2000–2024)
The table below shows the annual Asset Resilience Ratio data for Evans Bancorp Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | -1.28% | $-28.09 Million | $2.19 Billion | -14.36pp |
| 2023-12-31 | 13.07% | $275.68 Million | $2.11 Billion | -3.65pp |
| 2022-12-31 | 16.72% | $364.33 Million | $2.18 Billion | +2.88pp |
| 2021-12-31 | 13.84% | $305.96 Million | $2.21 Billion | +5.90pp |
| 2020-12-31 | 7.94% | $162.40 Million | $2.04 Billion | -0.82pp |
| 2019-12-31 | 8.76% | $127.92 Million | $1.46 Billion | -0.76pp |
| 2018-12-31 | 9.52% | $132.10 Million | $1.39 Billion | -1.58pp |
| 2017-12-31 | 11.10% | $143.82 Million | $1.30 Billion | +2.45pp |
| 2016-12-31 | 8.65% | $95.22 Million | $1.10 Billion | -1.40pp |
| 2015-12-31 | 10.05% | $94.36 Million | $939.11 Million | -0.89pp |
| 2014-12-31 | 10.94% | $92.61 Million | $846.81 Million | -1.02pp |
| 2013-12-31 | 11.96% | $99.67 Million | $833.50 Million | +0.59pp |
| 2012-12-31 | 11.37% | $92.06 Million | $809.68 Million | -2.12pp |
| 2011-12-31 | 13.49% | $99.98 Million | $740.90 Million | -0.32pp |
| 2010-12-31 | 13.81% | $93.08 Million | $673.92 Million | +1.22pp |
| 2009-12-31 | 12.59% | $78.41 Million | $622.73 Million | -1.65pp |
| 2008-12-31 | 14.24% | $75.64 Million | $531.08 Million | +16.96pp |
| 2007-12-31 | -2.72% | $-12.08 Million | $444.40 Million | -42.08pp |
| 2004-12-31 | 39.37% | $168.90 Million | $429.04 Million | +39.37pp |
| 2003-12-31 | 0.00% | $38.00 | $334.68 Million | -3.23pp |
| 2002-12-31 | 3.23% | $9.33 Million | $288.71 Million | +2.11pp |
| 2001-12-31 | 1.12% | $2.80 Million | $249.15 Million | +0.57pp |
| 2000-12-31 | 0.56% | $1.25 Million | $224.55 Million | -- |
About Evans Bancorp Inc
Evans Bancorp, Inc. operates as financial holding company for Evans Bank, N.A. that provides a range of banking products and services to consumer and commercial customers in the United States. The company offers deposit products, which include checking and negotiable order of withdrawal accounts, savings accounts, and certificates of deposit. It provides residential mortgages; commercial and mult… Read more