Horizon Bancorp - Asset Resilience Ratio
Horizon Bancorp (HBNC) has an Asset Resilience Ratio of 8.85% as of March 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. Check Horizon Bancorp PP&E and investment ratio to assess the company's strategic physical and investment asset allocation.
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 quality score to measure how much of total assets are equity-financed.
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 | $581.15 Million | 8.85% |
| Total Liquid Assets | $581.15 Million | 8.85% |
Asset Resilience Insights
- Limited Liquidity: Horizon Bancorp maintains only 8.85% 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 |
|---|---|---|
|
BNP Paribas SA
PA:BNP |
Banks - Regional | 17.67% |
|
CIMB Group Holdings Bhd
KLSE:1023 |
Banks - Regional | 1.96% |
|
Hua Xia Bank Co Ltd
SHG:600015 |
Banks - Regional | 4.86% |
|
Grupo Security
SN:SECURITY |
Banks - Regional | 0.15% |
|
Bank Mestika Dharma Tbk
JK:BBMD |
Banks - Regional | -6.51% |
|
Bank Multiarta Sentosa PT
JK:MASB |
Banks - Regional | 1.29% |
|
Bank Ochrony Środowiska SA
WAR:BOS |
Banks - Regional | 8.84% |
|
Bank Capital Indonesia Tbk
JK:BACA |
Banks - Regional | -22.83% |
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 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