Horizon Bancorp - Asset Resilience Ratio

Latest as of June 2026: 13.72%

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 Horizon Bancorp short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.

Liquid Assets

$901.65 Million

Cash + Short-term Investments

Total Assets

$6.57 Billion

All company assets

Resilience Assessment

Moderate

Financial Resilience Level

Asset Resilience Ratio Trend (2000–2025)

This chart shows how Horizon Bancorp's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see Horizon Bancorp (HBNC) total assets.

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. Explore Horizon Bancorp long-term investment intensity to see how much of total assets are deployed in long-term investments.

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
Santander Bank Polska S.A. WAR:SPL	Banks - Regional	4.41%
Banco Santander Chile NYSE:BSAC	Banks - Regional	7.94%
Bank of Baroda NSE:BANKBARODA	Banks - Regional	-12.63%
Turkiye Is Bankasi AS Class C IS:ISCTR	Banks - Regional	-38.78%
Ringkjoebing Landbobank A/S CO:RILBA	Banks - Regional	0.03%
ABSA Bank Limited JSE:ABSP	Banks - Regional	2.72%
Mechanics Bank NASDAQ:MCHB	Banks - Regional	18.39%
Laurentian Bank Of Canada TO:LB	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	--

pp = percentage points

About Horizon Bancorp

NASDAQ:HBNC USA Banks - Regional

Market Cap

$1.00 Billion

Market Cap Rank

#8912 Global

#2534 in USA

Share Price

$19.49

Change (1 day)

-1.52%

52-Week Range

$15.04 - $20.80

All Time High

$20.80