Hbt Financial Inc - Asset Resilience Ratio
Hbt Financial Inc (HBT) has an Asset Resilience Ratio of 15.15% 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. See working capital to net assets of Hbt Financial Inc to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2017–2025)
This chart shows how Hbt Financial Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see Hbt Financial Inc balance sheet assets.
Liquid Assets Composition Over Time
This chart breaks down Hbt Financial Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore how much of Hbt Financial Inc's assets are long-term investments 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 | $1.03 Billion | 15.15% |
| Total Liquid Assets | $1.03 Billion | 15.15% |
Asset Resilience Insights
- Good Liquidity Position: Hbt Financial Inc maintains a healthy 15.15% of assets in liquid form.
- This level provides good financial flexibility while maintaining productive asset deployment.
- The company has significant short-term investments, indicating active treasury management.
Hbt Financial Inc Industry Peers by Asset Resilience Ratio
Compare Hbt Financial Inc'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 Hbt Financial Inc (2017–2025)
The table below shows the annual Asset Resilience Ratio data for Hbt Financial Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 16.03% | $813.10 Million | $5.07 Billion | +14.99pp |
| 2024-12-31 | 1.04% | $52.28 Million | $5.03 Billion | -13.93pp |
| 2023-12-31 | 14.97% | $759.46 Million | $5.07 Billion | -4.71pp |
| 2022-12-31 | 19.68% | $843.52 Million | $4.29 Billion | -2.16pp |
| 2021-12-31 | 21.84% | $942.17 Million | $4.31 Billion | -3.33pp |
| 2020-12-31 | 25.17% | $922.87 Million | $3.67 Billion | +6.91pp |
| 2019-12-31 | 18.26% | $592.40 Million | $3.25 Billion | -2.66pp |
| 2018-12-31 | 20.91% | $679.53 Million | $3.25 Billion | -2.32pp |
| 2017-12-31 | 23.23% | $769.57 Million | $3.31 Billion | -- |
About Hbt Financial Inc
HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company that provides financial products and services to consumers, businesses, and municipal entities in Illinois and Eastern Iowa. The company offers deposit account services, such as noninterest-bearing demand deposits, interest-bearing transaction accounts, money market accounts, savings accounts, certificat… Read more