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. Check Heritage Commerce Corp (HTBK) strategic asset index 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 Heritage Commerce Corp's Asset Resilience Ratio has changed over time. See HTBK equity financing ratio to measure how much of total assets are equity-financed.
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 market capitalisation and broader financial context, see Heritage Commerce Corp stock valuation.
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 |
|---|---|---|
|
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 Heritage Commerce Corp (2000–2025)
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