Commercial National Financial Corporation
Commercial National Financial Corporation operates as the holding company for Commercial Bank that provides various banking products and services to individuals, agricultural and commercial businesses, and light industries in Michigan. It accepts various deposit products, including checking and savings accounts, individual retirement accounts, certificates of deposit, and health savings accounts.… Read more
Commercial National Financial Corporation - Asset Resilience Ratio
Commercial National Financial Corporation (CEFC) has an Asset Resilience Ratio of 6.33% as of December 2019. 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 (2001–2022)
This chart shows how Commercial National Financial Corporation's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Commercial National Financial Corporation'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 | $31.96 Million | 6.33% |
| Total Liquid Assets | $31.96 Million | 6.33% |
Asset Resilience Insights
- Limited Liquidity: Commercial National Financial Corporation maintains only 6.33% 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.
Commercial National Financial Corporation Industry Peers by Asset Resilience Ratio
Compare Commercial National Financial Corporation'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 Commercial National Financial Corporation (2001–2022)
The table below shows the annual Asset Resilience Ratio data for Commercial National Financial Corporation.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2022-12-31 | -1.46% | $-8.96 Million | $613.75 Million | +1.93pp |
| 2021-12-31 | -3.39% | $-20.73 Million | $610.80 Million | +1.01pp |
| 2020-12-31 | -4.40% | $-24.13 Million | $547.78 Million | +1.90pp |
| 2019-12-31 | -6.31% | $-31.84 Million | $504.71 Million | -16.64pp |
| 2018-12-31 | 10.33% | $54.50 Million | $527.37 Million | +0.12pp |
| 2017-12-31 | 10.22% | $53.78 Million | $526.37 Million | +0.71pp |
| 2016-12-31 | 9.51% | $38.06 Million | $400.37 Million | +1.95pp |
| 2015-12-31 | 7.56% | $29.10 Million | $385.17 Million | +0.71pp |
| 2014-12-31 | 6.85% | $25.65 Million | $374.49 Million | +6.58pp |
| 2003-12-31 | 0.27% | $644.81K | $239.79 Million | -2.61pp |
| 2002-12-31 | 2.88% | $6.85 Million | $238.25 Million | +0.59pp |
| 2001-12-31 | 2.29% | $5.00 Million | $218.40 Million | -- |