Exchange Bank
Exchange Bank (Santa Rosa, CA), a community bank, provides a range of personal, commercial, and trust and investment management services in California. The company offers personal banking products and services, including checking and savings accounts; home loans, personal lines of credit, unsecured personal loans, and auto loans; overdraft line of credit accounts; and credit cards. It also provid… Read more
Exchange Bank - Asset Resilience Ratio
Exchange Bank (EXSR) has an Asset Resilience Ratio of 36.55% 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 (2012–2025)
This chart shows how Exchange 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 Exchange 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 | $1.21 Billion | 36.55% |
| Total Liquid Assets | $1.21 Billion | 36.55% |
Asset Resilience Insights
- Very High Liquidity: Exchange Bank maintains exceptional liquid asset reserves at 36.55% of total assets.
- This level provides strong protection against economic uncertainties but may indicate potential for more aggressive growth investments.
- The company has significant short-term investments, indicating active treasury management.
Exchange Bank Industry Peers by Asset Resilience Ratio
Compare Exchange 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 Exchange Bank (2012–2025)
The table below shows the annual Asset Resilience Ratio data for Exchange Bank.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 36.55% | $1.21 Billion | $3.30 Billion | +34.31pp |
| 2019-12-31 | 2.24% | $60.00 Million | $2.67 Billion | -29.59pp |
| 2018-12-31 | 31.84% | $844.90 Million | $2.65 Billion | +7.11pp |
| 2017-12-31 | 24.72% | $638.91 Million | $2.58 Billion | +1.13pp |
| 2016-12-31 | 23.60% | $514.25 Million | $2.18 Billion | -0.42pp |
| 2015-12-31 | 24.01% | $495.25 Million | $2.06 Billion | +0.84pp |
| 2014-12-31 | 23.17% | $437.43 Million | $1.89 Billion | -2.64pp |
| 2013-12-31 | 25.81% | $460.37 Million | $1.78 Billion | +2.53pp |
| 2012-12-31 | 23.28% | $395.50 Million | $1.70 Billion | -- |