Horizon Bancorp Asset Resilience Ratio
Horizon Bancorp asset resilience ratio. Horizon Bancorp (HBNC) has an Asset Resilience Ratio of 13.72% as of June 2026. 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. See HBNC cash and liquid assets coverage to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of Horizon Bancorp (2000–2025)
Asset resilience ratio of Horizon Bancorp from 2000 to 2025. This chart shows how Horizon Bancorp's Asset Resilience Ratio has changed over time. Read Horizon Bancorp total liabilities for a breakdown of total debt and financial obligations.
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 the complete balance sheet picture, see how large is Horizon Bancorp's balance sheet.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $901.65 Million | 13.72% |
| Total Liquid Assets | $901.65 Million | 13.72% |
Asset Resilience Insights
- Moderate Liquidity: Horizon Bancorp has 13.72% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- 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 |
|---|---|---|
|
Societe Generale S.A.
PA:GLE |
Banks - Regional | 11.25% |
|
Itau Unibanco Banco Holding SA
NYSE:ITUB |
Banks - Regional | 3.55% |
|
Spar Nord Bank
CO:SPNO |
Banks - Regional | -3.96% |
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank Ina Perdana PT
JK:BINA |
Banks - Regional | -30.89% |
|
Bank Rakyat Indonesia Agroniaga
JK:AGRO |
Banks - Regional | 8.38% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
Horizon Bancorp Asset Resilience Ratio by Year (2000–2025)
Horizon Bancorp asset resilience ratio by year from 2000 to 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 provides commercial and retail banking services to individuals and corporate clients in Indiana and Michigan in the United States. The company offers checking, savings, money market, certificates of deposit, and time deposit accounts, as well as non-interest and interest-bearing demand deposits. It also provides comm… Read more