Heritage Financial Corporation - Asset Resilience Ratio
Heritage Financial Corporation (HFWA) has an Asset Resilience Ratio of 10.44% 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 Heritage Financial Corporation (HFWA) working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how Heritage Financial Corporation's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see total assets of Heritage Financial Corporation.
Liquid Assets Composition Over Time
This chart breaks down Heritage Financial Corporation's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore long-term investment intensity of Heritage Financial Corporation 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 | $879.86 Million | 10.44% |
| Total Liquid Assets | $879.86 Million | 10.44% |
Asset Resilience Insights
- Moderate Liquidity: Heritage Financial Corporation has 10.44% 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.
Heritage Financial Corporation Industry Peers by Asset Resilience Ratio
Compare Heritage Financial Corporation'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 Heritage Financial Corporation (2000–2025)
The table below shows the annual Asset Resilience Ratio data for Heritage Financial Corporation.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 8.72% | $607.52 Million | $6.97 Billion | -2.04pp |
| 2024-12-31 | 10.76% | $764.39 Million | $7.11 Billion | -5.05pp |
| 2023-12-31 | 15.81% | $1.13 Billion | $7.17 Billion | -3.26pp |
| 2022-12-31 | 19.07% | $1.33 Billion | $6.98 Billion | +7.04pp |
| 2021-12-31 | 12.03% | $894.34 Million | $7.43 Billion | -0.09pp |
| 2020-12-31 | 12.13% | $802.16 Million | $6.62 Billion | -5.02pp |
| 2019-12-31 | 17.15% | $952.31 Million | $5.55 Billion | -1.21pp |
| 2018-12-31 | 18.36% | $976.10 Million | $5.32 Billion | -1.35pp |
| 2017-12-31 | 19.71% | $810.53 Million | $4.11 Billion | -0.78pp |
| 2016-12-31 | 20.49% | $794.64 Million | $3.88 Billion | -1.75pp |
| 2015-12-31 | 22.24% | $811.87 Million | $3.65 Billion | +0.75pp |
| 2014-12-31 | 21.48% | $742.85 Million | $3.46 Billion | +11.65pp |
| 2013-12-31 | 9.83% | $163.13 Million | $1.66 Billion | -0.89pp |
| 2012-12-31 | 10.72% | $144.29 Million | $1.35 Billion | +0.16pp |
| 2011-12-31 | 10.56% | $144.60 Million | $1.37 Billion | +9.56pp |
| 2010-12-31 | 1.00% | $13.74 Million | $1.37 Billion | -7.58pp |
| 2009-12-31 | 8.58% | $87.12 Million | $1.01 Billion | +5.50pp |
| 2008-12-31 | 3.08% | $29.16 Million | $946.14 Million | +2.40pp |
| 2007-12-31 | 0.68% | $6.06 Million | $886.05 Million | +0.37pp |
| 2006-12-31 | 0.32% | $2.72 Million | $852.89 Million | -0.08pp |
| 2005-12-31 | 0.40% | $3.03 Million | $751.15 Million | -6.93pp |
| 2004-12-31 | 7.33% | $51.14 Million | $697.27 Million | -0.11pp |
| 2003-12-31 | 7.44% | $47.71 Million | $640.92 Million | +1.50pp |
| 2002-12-31 | 5.95% | $35.36 Million | $594.59 Million | +1.63pp |
| 2001-12-31 | 4.32% | $26.31 Million | $609.64 Million | +4.09pp |
| 2000-12-31 | 0.22% | $1.28 Million | $573.53 Million | -- |
About Heritage Financial Corporation
Heritage Financial Corporation operates as the bank holding company for Heritage Bank that provides various financial services to small and medium sized businesses and its owners in the United States. It accepts various deposit products, such as noninterest demand deposits, interest bearing demand deposits, money market accounts, savings accounts, personal checking accounts, and certificates of d… Read more