Oxford Bank Corporation
Oxford Bank Corporation operates as the holding company for Oxford Bank that provides various banking products and services to various customers in Michigan. It offers checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. The company's loan portfolio comprises home mortgages, home equity lines of credit, auto loans, student loans, term loans, com… Read more
Oxford Bank Corporation - Asset Resilience Ratio
Oxford Bank Corporation (OXBC) has an Asset Resilience Ratio of -17.73% as of September 2023. 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 (2019–2022)
This chart shows how Oxford Bank 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 Oxford Bank 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 | $-140.84 Million | -17.73% |
| Total Liquid Assets | $-140.84 Million | -17.73% |
Asset Resilience Insights
- Limited Liquidity: Oxford Bank Corporation maintains only -17.73% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company primarily holds liquidity in cash and equivalents rather than short-term investments.
Oxford Bank Corporation Industry Peers by Asset Resilience Ratio
Compare Oxford Bank 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 Oxford Bank Corporation (2019–2022)
The table below shows the annual Asset Resilience Ratio data for Oxford Bank Corporation.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2022-12-31 | -1.16% | $-9.19 Million | $792.65 Million | +0.56pp |
| 2021-12-31 | -1.72% | $-12.89 Million | $750.87 Million | +0.30pp |
| 2020-12-31 | -2.02% | $-14.13 Million | $699.15 Million | +0.73pp |
| 2019-12-31 | -2.75% | $-13.88 Million | $505.40 Million | -- |