People's Bank of Commerce
PBCO Financial Corporation operates as a bank holding company for People's Bank of Commerce that provides commercial banking services for businesses and individuals in Oregon. It operates through Core Banking and Factoring Division segments. The company offers checking and savings accounts; and mortgage servicing. It also provides home equity lines of credit; consumer loans and credit lines; auto… Read more
People's Bank of Commerce - Asset Resilience Ratio
People's Bank of Commerce (PBCO) has an Asset Resilience Ratio of 0.27% 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 (2004–2019)
This chart shows how People's Bank of Commerce's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down People's Bank of Commerce'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 | $996.00K | 0.27% |
| Total Liquid Assets | $996.00K | 0.27% |
Asset Resilience Insights
- Limited Liquidity: People's Bank of Commerce maintains only 0.27% 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.
People's Bank of Commerce Industry Peers by Asset Resilience Ratio
Compare People's Bank of Commerce'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 People's Bank of Commerce (2004–2019)
The table below shows the annual Asset Resilience Ratio data for People's Bank of Commerce.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2019-12-31 | 0.27% | $996.00K | $370.17 Million | -4.63pp |
| 2018-12-31 | 4.89% | $17.13 Million | $349.90 Million | -- |
| 2017-12-31 | 0.00% | $0.00 | $301.06 Million | -- |
| 2016-12-31 | 0.00% | $0.00 | $265.99 Million | -- |
| 2015-12-31 | 0.50% | $1.25 Million | $250.37 Million | -2.28pp |
| 2014-12-31 | 2.78% | $5.98 Million | $214.79 Million | +2.78pp |
| 2005-12-31 | 0.00% | $25.00 | $76.37 Million | 0.00pp |
| 2004-12-31 | 0.00% | $189.00 | $62.16 Million | -- |