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 HTBK current assets to equity 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 Commerce Corp's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see HTBK asset base.
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. Explore Heritage Commerce Corp 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 | $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 |
|---|---|---|
|
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 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