United Bancorporation of Alabama Inc
United Bancorporation of Alabama, Inc. operates as the bank holding company for United Bank that provides banking services in the United States. The company offers checking and savings accounts, certificates of deposit, and individual retirement accounts; business solutions, including merchant and lockbox services, cash management, business online banking, remote deposit capture, web payment capt… Read more
United Bancorporation of Alabama Inc - Asset Resilience Ratio
United Bancorporation of Alabama Inc (UBAB) has an Asset Resilience Ratio of 20.38% as of December 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 (2015–2025)
This chart shows how United Bancorporation of Alabama 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 United Bancorporation of Alabama 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 | $295.93 Million | 20.38% |
| Total Liquid Assets | $295.93 Million | 20.38% |
Asset Resilience Insights
- Good Liquidity Position: United Bancorporation of Alabama Inc maintains a healthy 20.38% of assets in liquid form.
- This level provides good financial flexibility while maintaining productive asset deployment.
- The company has significant short-term investments, indicating active treasury management.
United Bancorporation of Alabama Inc Industry Peers by Asset Resilience Ratio
Compare United Bancorporation of Alabama 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 United Bancorporation of Alabama Inc (2015–2025)
The table below shows the annual Asset Resilience Ratio data for United Bancorporation of Alabama Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 20.38% | $295.93 Million | $1.45 Billion | +1.50pp |
| 2024-12-31 | 18.89% | $264.55 Million | $1.40 Billion | -0.25pp |
| 2023-12-31 | 19.14% | $266.05 Million | $1.39 Billion | -4.21pp |
| 2022-12-31 | 23.35% | $328.61 Million | $1.41 Billion | -1.53pp |
| 2021-12-31 | 24.89% | $278.95 Million | $1.12 Billion | +10.23pp |
| 2020-12-31 | 14.65% | $144.85 Million | $988.71 Million | -2.03pp |
| 2019-12-31 | 16.68% | $121.37 Million | $727.50 Million | -3.80pp |
| 2018-12-31 | 20.48% | $130.57 Million | $637.58 Million | -- |
| 2017-12-31 | 0.00% | $0.00 | $597.75 Million | -- |
| 2016-12-31 | 0.00% | $0.00 | $558.57 Million | -- |
| 2015-12-31 | 0.00% | $0.00 | $530.09 Million | -- |