HarborOne Bancorp Inc - Asset Resilience Ratio
HarborOne Bancorp Inc (HONE) has an Asset Resilience Ratio of 4.42% as of June 2025. 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 HarborOne Bancorp Inc working capital to net assets to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2014–2024)
This chart shows how HarborOne Bancorp Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see HarborOne Bancorp Inc asset portfolio.
Liquid Assets Composition Over Time
This chart breaks down HarborOne Bancorp Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore HONE 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 | $248.17 Million | 4.42% |
| Total Liquid Assets | $248.17 Million | 4.42% |
Asset Resilience Insights
- Limited Liquidity: HarborOne Bancorp Inc maintains only 4.42% 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.
HarborOne Bancorp Inc Industry Peers by Asset Resilience Ratio
Compare HarborOne Bancorp 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 HarborOne Bancorp Inc (2014–2024)
The table below shows the annual Asset Resilience Ratio data for HarborOne Bancorp Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 4.59% | $263.90 Million | $5.75 Billion | -0.53pp |
| 2023-12-31 | 5.12% | $290.15 Million | $5.67 Billion | -0.50pp |
| 2022-12-31 | 5.62% | $301.15 Million | $5.36 Billion | -3.03pp |
| 2021-12-31 | 8.65% | $394.04 Million | $4.55 Billion | +2.49pp |
| 2020-12-31 | 6.17% | $276.50 Million | $4.48 Billion | +0.27pp |
| 2019-12-31 | 5.90% | $239.47 Million | $4.06 Billion | +0.17pp |
| 2018-12-31 | 5.73% | $209.29 Million | $3.65 Billion | -0.63pp |
| 2017-12-31 | 6.36% | $170.85 Million | $2.68 Billion | +0.79pp |
| 2016-12-31 | 5.57% | $136.47 Million | $2.45 Billion | -0.37pp |
| 2015-12-31 | 5.94% | $128.54 Million | $2.16 Billion | -1.31pp |
| 2014-12-31 | 7.25% | $148.01 Million | $2.04 Billion | -- |
About HarborOne Bancorp Inc
HarborOne Bancorp, Inc. provides financial services to individuals, families, small and mid-size businesses, and municipalities. The company operates in two segments, HarborOne Bank and HarborOne Mortgage. It offers deposit products that include checking, NOW, money market, savings, and sweep accounts, and term certificate of deposit accounts; and lending products comprise commercial real estate,… Read more