Heritage Commerce Corp Asset Resilience Ratio
Heritage Commerce Corp asset resilience ratio. Heritage Commerce Corp (HTBK) has an Asset Resilience Ratio of 10.29% as of December 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 Heritage Commerce Corp defensive interval ratio to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of Heritage Commerce Corp (2000–2025)
Asset resilience ratio of Heritage Commerce Corp from 2000 to 2025. This chart shows how Heritage Commerce Corp's Asset Resilience Ratio has changed over time. Read HTBK total liabilities for a breakdown of total debt and financial obligations.
Liquid Assets Composition Over Time
This chart breaks down Heritage Commerce Corp's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For the complete balance sheet picture, see total assets of Heritage Commerce Corp.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $592.96 Million | 10.29% |
| Total Liquid Assets | $592.96 Million | 10.29% |
Asset Resilience Insights
- Moderate Liquidity: Heritage Commerce Corp has 10.29% 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 Commerce Corp Industry Peers by Asset Resilience Ratio
Compare Heritage Commerce Corp's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Societe Generale S.A.
PA:GLE |
Banks - Regional | 11.25% |
|
Itau Unibanco Banco Holding SA
NYSE:ITUB |
Banks - Regional | 3.55% |
|
Spar Nord Bank
CO:SPNO |
Banks - Regional | -3.96% |
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank Ina Perdana PT
JK:BINA |
Banks - Regional | -30.89% |
|
Bank Rakyat Indonesia Agroniaga
JK:AGRO |
Banks - Regional | 8.38% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
Heritage Commerce Corp Asset Resilience Ratio by Year (2000–2025)
Heritage Commerce Corp asset resilience ratio by year from 2000 to 2025. The table below shows the annual Asset Resilience Ratio data for Heritage Commerce Corp.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 10.29% | $592.96 Million | $5.76 Billion | +5.75pp |
| 2024-12-31 | 4.54% | $256.27 Million | $5.65 Billion | -3.98pp |
| 2023-12-31 | 8.52% | $442.64 Million | $5.19 Billion | -0.98pp |
| 2022-12-31 | 9.50% | $489.60 Million | $5.15 Billion | +7.64pp |
| 2021-12-31 | 1.86% | $102.25 Million | $5.50 Billion | -3.23pp |
| 2020-12-31 | 5.09% | $235.77 Million | $4.63 Billion | -4.76pp |
| 2019-12-31 | 9.85% | $404.82 Million | $4.11 Billion | -4.97pp |
| 2018-12-31 | 14.82% | $459.04 Million | $3.10 Billion | +1.04pp |
| 2017-12-31 | 13.78% | $391.85 Million | $2.84 Billion | +1.85pp |
| 2016-12-31 | 11.93% | $306.59 Million | $2.57 Billion | -4.38pp |
| 2015-12-31 | 16.31% | $385.08 Million | $2.36 Billion | +3.55pp |
| 2014-12-31 | 12.76% | $206.34 Million | $1.62 Billion | -6.02pp |
| 2013-12-31 | 18.78% | $280.10 Million | $1.49 Billion | -2.95pp |
| 2012-12-31 | 21.73% | $367.91 Million | $1.69 Billion | -7.40pp |
| 2011-12-31 | 29.13% | $380.45 Million | $1.31 Billion | +10.50pp |
| 2010-12-31 | 18.63% | $232.16 Million | $1.25 Billion | +10.56pp |
| 2009-12-31 | 8.06% | $109.97 Million | $1.36 Billion | +1.09pp |
| 2008-12-31 | 6.97% | $104.47 Million | $1.50 Billion | -3.08pp |
| 2007-12-31 | 10.05% | $135.40 Million | $1.35 Billion | -6.56pp |
| 2006-12-31 | 16.61% | $172.30 Million | $1.04 Billion | +11.05pp |
| 2005-12-31 | 5.56% | $62.90 Million | $1.13 Billion | +3.39pp |
| 2004-12-31 | 2.17% | $24.10 Million | $1.11 Billion | -5.02pp |
| 2003-12-31 | 7.20% | $72.20 Million | $1.00 Billion | +2.61pp |
| 2002-12-31 | 4.59% | $44.00 Million | $958.75 Million | -3.26pp |
| 2001-12-31 | 7.84% | $71.60 Million | $912.73 Million | +5.56pp |
| 2000-12-31 | 2.28% | $19.30 Million | $846.22 Million | -- |
About Heritage Commerce Corp
Heritage Commerce Corp operates as the bank holding company for Heritage Bank of Commerce that provides various commercial and personal banking services to residents and the business/professional community in California. The company operates through two segments, Banking and Factoring. Its deposit products for business banking and retail markets include interest and non-interest-bearing demand, s… Read more