Santa Cruz County Bank
West Coast Community Bancorp operates as the bank holding company for Santa Cruz County Bank that provides a range of commercial and personal banking services to residents and businesses in the United States. It offers checking, savings, money market, certificate of deposits, and health savings accounts; and individual retirement account and retirement plans. The company also provides lending pro… Read more
Santa Cruz County Bank - Asset Resilience Ratio
Santa Cruz County Bank (SCZC) has an Asset Resilience Ratio of 13.72% as of March 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 (2012–2023)
This chart shows how Santa Cruz County Bank's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Santa Cruz County Bank'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 | $364.67 Million | 13.72% |
| Total Liquid Assets | $364.67 Million | 13.72% |
Asset Resilience Insights
- Moderate Liquidity: Santa Cruz County Bank has 13.72% 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.
Santa Cruz County Bank Industry Peers by Asset Resilience Ratio
Compare Santa Cruz County Bank'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 Santa Cruz County Bank (2012–2023)
The table below shows the annual Asset Resilience Ratio data for Santa Cruz County Bank.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2023-12-31 | 14.63% | $262.57 Million | $1.79 Billion | -3.75pp |
| 2022-12-31 | 18.39% | $320.73 Million | $1.74 Billion | +2.18pp |
| 2021-12-31 | 16.20% | $275.66 Million | $1.70 Billion | +12.70pp |
| 2020-12-31 | 3.50% | $49.85 Million | $1.42 Billion | +0.62pp |
| 2017-12-31 | 2.88% | $18.17 Million | $629.96 Million | -0.17pp |
| 2016-12-31 | 3.05% | $17.95 Million | $588.23 Million | -13.62pp |
| 2015-12-31 | 16.67% | $85.59 Million | $513.34 Million | +1.97pp |
| 2014-12-31 | 14.70% | $67.59 Million | $459.80 Million | -2.38pp |
| 2013-12-31 | 17.08% | $68.07 Million | $398.58 Million | -2.17pp |
| 2012-12-31 | 19.24% | $68.57 Million | $356.35 Million | -- |