Fentura Financial Inc
Fentura Financial, Inc. operates as the bank holding company for The State Bank that provides banking products and services to individuals, small businesses, and government entities in Michigan. The company offers deposit products, such as checking, savings, term certificate, individual retirement, and health savings accounts, as well as certificates of deposit; and lending products that includes… Read more
Fentura Financial Inc - Asset Resilience Ratio
Fentura Financial Inc (FETM) has an Asset Resilience Ratio of 5.40% as of September 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 (2016–2023)
This chart shows how Fentura Financial 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 Fentura Financial 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 | $97.59 Million | 5.4% |
| Total Liquid Assets | $97.59 Million | 5.40% |
Asset Resilience Insights
- Limited Liquidity: Fentura Financial Inc maintains only 5.40% 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.
Fentura Financial Inc Industry Peers by Asset Resilience Ratio
Compare Fentura Financial 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 Fentura Financial Inc (2016–2023)
The table below shows the annual Asset Resilience Ratio data for Fentura Financial Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2023-12-31 | 6.05% | $105.25 Million | $1.74 Billion | -1.20pp |
| 2022-12-31 | 7.26% | $122.56 Million | $1.69 Billion | -4.18pp |
| 2021-12-31 | 11.44% | $162.17 Million | $1.42 Billion | +5.60pp |
| 2020-12-31 | 5.84% | $73.03 Million | $1.25 Billion | +0.27pp |
| 2019-12-31 | 5.56% | $57.58 Million | $1.03 Billion | -4.13pp |
| 2018-12-31 | 9.70% | $89.85 Million | $926.45 Million | +3.33pp |
| 2017-12-31 | 6.37% | $49.79 Million | $781.44 Million | -3.38pp |
| 2016-12-31 | 9.75% | $68.57 Million | $703.35 Million | -- |