Horizon Bancorp - Asset Resilience Ratio
Horizon Bancorp (HBNC) has an Asset Resilience Ratio of 0.06% 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. Read HBNC total liabilities for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how Horizon Bancorp's Asset Resilience Ratio has changed over time. See HBNC net asset value for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down Horizon Bancorp's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see Horizon Bancorp market cap and net worth.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $3.88 Million | 0.06% |
| Total Liquid Assets | $3.88 Million | 0.06% |
Asset Resilience Insights
- Limited Liquidity: Horizon Bancorp maintains only 0.06% 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.
Horizon Bancorp Industry Peers by Asset Resilience Ratio
Compare Horizon Bancorp's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
VersaBank
TO:VBNK |
Banks - Regional | 1.65% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
|
RMB Holdings Ltd
JSE:RMH |
Banks - Regional | 20.83% |
|
Bank Tabungan Pensiunan Nasional Syariah PT
JK:BTPS |
Banks - Regional | 44.92% |
|
Banco Bradesco DRC
BA:BBD |
Banks - Regional | 4.82% |
|
Grupo Financiero Galicia S.A.
BA:GGAL |
Banks - Regional | 8.18% |
|
Banco Macro SA B
BA:BMA |
Banks - Regional | 0.55% |
Annual Asset Resilience Ratio for Horizon Bancorp (2000–2025)
The table below shows the annual Asset Resilience Ratio data for Horizon Bancorp.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 0.06% | $3.88 Million | $6.44 Billion | -2.94pp |
| 2024-12-31 | 3.00% | $233.68 Million | $7.80 Billion | -3.90pp |
| 2023-12-31 | 6.90% | $547.25 Million | $7.93 Billion | -5.77pp |
| 2022-12-31 | 12.67% | $997.56 Million | $7.87 Billion | -2.99pp |
| 2021-12-31 | 15.66% | $1.16 Billion | $7.41 Billion | -3.60pp |
| 2020-12-31 | 19.26% | $1.13 Billion | $5.89 Billion | +3.23pp |
| 2019-12-31 | 16.04% | $841.08 Million | $5.24 Billion | +1.90pp |
| 2018-12-31 | 14.14% | $600.35 Million | $4.25 Billion | +1.28pp |
| 2017-12-31 | 12.86% | $509.67 Million | $3.96 Billion | -1.15pp |
| 2016-12-31 | 14.00% | $439.83 Million | $3.14 Billion | -2.77pp |
| 2015-12-31 | 16.78% | $444.98 Million | $2.65 Billion | +1.19pp |
| 2014-12-31 | 15.59% | $323.76 Million | $2.08 Billion | -13.34pp |
| 2013-12-31 | 28.93% | $508.59 Million | $1.76 Billion | +2.80pp |
| 2012-12-31 | 26.13% | $482.80 Million | $1.85 Billion | -1.73pp |
| 2011-12-31 | 27.86% | $431.05 Million | $1.55 Billion | +0.57pp |
| 2010-12-31 | 27.29% | $382.34 Million | $1.40 Billion | +3.27pp |
| 2009-12-31 | 24.02% | $333.13 Million | $1.39 Billion | +0.94pp |
| 2008-12-31 | 23.08% | $301.64 Million | $1.31 Billion | +4.44pp |
| 2007-12-31 | 18.64% | $234.68 Million | $1.26 Billion | -1.24pp |
| 2006-12-31 | 19.88% | $243.08 Million | $1.22 Billion | -4.51pp |
| 2005-12-31 | 24.40% | $275.18 Million | $1.13 Billion | -6.38pp |
| 2004-12-31 | 30.78% | $281.28 Million | $913.83 Million | +2.29pp |
| 2003-12-31 | 28.49% | $215.69 Million | $757.07 Million | +26.76pp |
| 2002-12-31 | 1.73% | $12.45 Million | $720.13 Million | +1.68pp |
| 2001-12-31 | 0.05% | $267.00K | $587.95 Million | -0.19pp |
| 2000-12-31 | 0.24% | $1.27 Million | $531.78 Million | -- |
About Horizon Bancorp
Horizon Bancorp, Inc. operates as the bank holding company for Horizon Bank that engages in the provision of commercial and retail banking services. The company offers checking, saving, money market, certificate of deposits, and time deposits, as well as non-interest- and interest-bearing demand deposits. It also provides commercial, residential real estate, mortgage warehouse Loans, consumer loa… Read more