Amalgamated Bank (AMAL) — Working Capital to Net Assets Ratio
Amalgamated Bank (AMAL) has a Working Capital to Net Assets ratio of 13.7% as of December 2025. Working capital of $109.03 Million (current assets of $118.29 Million minus current liabilities of $9.26 Million) is measured against net assets of $794.46 Million. A higher ratio indicates strong short-term liquidity financed by the equity base. See AMAL defensive asset coverage days to measure how many days the company can operate on defensive assets alone.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Amalgamated Bank Working Capital to Net Assets (2016–2025)
This chart shows how Amalgamated Bank's Working Capital to Net Assets ratio has evolved across 10 annual periods from 2016 to 2025. As of December 2025, the ratio stands at 13.7%, reflecting working capital of $109.03 Million against net assets of $794.46 Million USD. For the complete balance sheet picture, see Amalgamated Bank asset portfolio.
Annual Working Capital to Net Assets for Amalgamated Bank (2016–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for Amalgamated Bank from 2016 to 2025, covering 10 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. Check asset resilience ratio of Amalgamated Bank to evaluate the company's liquid asset resilience ratio.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | 13.7% | $109.03 Million | $794.46 Million | $118.29 Million | $9.26 Million | ▲ +781.0 pp |
| 2024 | -767.3% | $-5.43 Billion | $707.65 Million | $1.75 Billion | $7.18 Billion | ▲ +152.3 pp |
| 2023 | -919.6% | $-5.38 Billion | $585.36 Million | $1.63 Billion | $7.01 Billion | ▼ -0.5 pp |
| 2022 | -919.1% | $-4.68 Billion | $508.95 Million | $1.92 Billion | $6.60 Billion | ▼ -230.3 pp |
| 2021 | -688.7% | $-3.88 Billion | $563.88 Million | $2.47 Billion | $6.36 Billion | ▲ +8.5 pp |
| 2020 | -697.3% | $-3.74 Billion | $535.82 Million | $1.60 Billion | $5.34 Billion | ▼ -29.7 pp |
| 2019 | -667.5% | $-3.27 Billion | $490.54 Million | $1.37 Billion | $4.64 Billion | ▼ -22.3 pp |
| 2018 | -645.2% | $-2.83 Billion | $439.37 Million | $1.27 Billion | $4.11 Billion | ▲ +1.1 pp |
| 2017 | -646.3% | $-2.22 Billion | $344.07 Million | $1.07 Billion | $3.29 Billion | ▼ -39.2 pp |
| 2016 | -607.1% | $-2.07 Billion | $341.11 Million | $159.49 Million | $2.23 Billion | — |