Town Center Bank
Town Center Bank provides various financial services to individuals and businesses in Illinois. The company offers a range of deposit products, such as checking accounts, sweep accounts, savings accounts, term certificate accounts, and certificates of deposit; and various lending products comprising commercial loans, consumer loans, home mortgage loans, home equity lines of credit, home equity lo… Read more
Town Center Bank - Asset Resilience Ratio
Town Center Bank (TCNB) has an Asset Resilience Ratio of 12.78% 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 (2016–2024)
This chart shows how Town Center 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 Town Center 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 | $20.76 Million | 12.78% |
| Total Liquid Assets | $20.76 Million | 12.78% |
Asset Resilience Insights
- Moderate Liquidity: Town Center Bank has 12.78% 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.
Town Center Bank Industry Peers by Asset Resilience Ratio
Compare Town Center 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 Town Center Bank (2016–2024)
The table below shows the annual Asset Resilience Ratio data for Town Center Bank.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 6.78% | $11.21 Million | $165.27 Million | +6.11pp |
| 2023-12-31 | 0.67% | $984.00K | $147.58 Million | -20.05pp |
| 2022-12-31 | 20.72% | $27.83 Million | $134.32 Million | +11.98pp |
| 2021-12-31 | 8.74% | $13.05 Million | $149.35 Million | -0.36pp |
| 2020-12-31 | 9.10% | $14.19 Million | $155.99 Million | -6.75pp |
| 2019-12-31 | 15.85% | $16.92 Million | $106.72 Million | -6.15pp |
| 2018-12-31 | 22.00% | $22.86 Million | $103.89 Million | -3.55pp |
| 2017-12-31 | 25.55% | $25.16 Million | $98.45 Million | -7.43pp |
| 2016-12-31 | 32.98% | $31.10 Million | $94.30 Million | -- |