Commencement Bancorp Inc
Commencement Bancorp Inc. operates as a bank holding company for Commencement Bank that provides various banking products and services for individuals, and small and midsized businesses in western Washington. The company accepts checking, demand, savings, NOW, money market, and time deposits, as well as certificates of deposit and individual retirement accounts. It also offers term loans, home eq… Read more
Commencement Bancorp Inc - Asset Resilience Ratio
Commencement Bancorp Inc (CBWA) has an Asset Resilience Ratio of 12.85% as of June 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.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2016–2023)
This chart shows how Commencement Bancorp Inc's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Commencement Bancorp Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $87.57 Million | 12.85% |
| Total Liquid Assets | $87.57 Million | 12.85% |
Asset Resilience Insights
- Moderate Liquidity: Commencement Bancorp Inc has 12.85% 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.
Commencement Bancorp Inc Industry Peers by Asset Resilience Ratio
Compare Commencement Bancorp Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for Commencement Bancorp Inc (2016–2023)
The table below shows the annual Asset Resilience Ratio data for Commencement Bancorp Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2023-12-31 | 17.28% | $101.29 Million | $586.19 Million | -1.67pp |
| 2022-12-31 | 18.95% | $110.04 Million | $580.76 Million | +0.07pp |
| 2021-12-31 | 18.88% | $100.32 Million | $531.44 Million | +14.70pp |
| 2020-12-31 | 4.17% | $22.03 Million | $527.77 Million | +0.38pp |
| 2019-12-31 | 3.79% | $14.73 Million | $388.40 Million | -0.40pp |
| 2018-12-31 | 4.20% | $15.01 Million | $357.47 Million | -0.27pp |
| 2017-12-31 | 4.47% | $14.64 Million | $327.78 Million | +2.11pp |
| 2016-12-31 | 2.36% | $8.11 Million | $343.54 Million | -- |