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The study aims to discuss the importance of liquidity and how to manage it for banks and to identify the risks to which the bank's liquidity may be exposed, in addition to conducting one of the tests that can reveal the risks that can be faced. To achieve the above-mentioned objectives, the study examined the hypotheses through the data of BEMO BANK SAUDI FRANSI, and this test was conducted during the years 2019 and 2020. The stress test was used as one of the effective tests in order to determine whether the bank is able to meet deposit withdrawal obligations during five consecutive days. The test was applied to 2019 and 2020 to compare between them. After applying the stress test on 2019 and 2020, the following conclusion was reached: BEMO BANK SAUDI FRANSI failed during 2019 and 2020 in the stress test because it does not have sufficient liquidity to meet its deposit withdrawal obligations. Although the bank succeeded in testing on the first day of both years, it failed in the rest of the news days in 2019 and 2020