Heartland Financial USA Inc
Heartland Financial USA, Inc., a bank holding company, provides commercial, small business, and consumer banking services to individuals and businesses in the United States. The company accepts various deposit products, including checking, demand deposit accounts, NOW accounts, savings, money market, and individual retirement; certificates of deposit; and other time deposits. It offers loans, inc… Read more
Heartland Financial USA Inc - Asset Resilience Ratio
Heartland Financial USA Inc (HTLF) has an Asset Resilience Ratio of -1.97% as of September 2024. 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.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2023)
This chart shows how Heartland Financial USA Inc's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Heartland Financial USA Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $-360.73 Million | -1.97% |
| Total Liquid Assets | $-360.73 Million | -1.97% |
Asset Resilience Insights
- Limited Liquidity: Heartland Financial USA Inc maintains only -1.97% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company primarily holds liquidity in cash and equivalents rather than short-term investments.
Heartland Financial USA Inc Industry Peers by Asset Resilience Ratio
Compare Heartland Financial USA Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Bank of Qingdao Co Ltd
SHE:002948 |
Banks - Regional | 1.86% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
Annual Asset Resilience Ratio for Heartland Financial USA Inc (2000–2023)
The table below shows the annual Asset Resilience Ratio data for Heartland Financial USA Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2023-12-31 | 0.24% | $47.46 Million | $19.41 Billion | -8.39pp |
| 2022-12-31 | 8.63% | $1.75 Billion | $20.24 Billion | +7.22pp |
| 2021-12-31 | 1.41% | $271.70 Million | $19.27 Billion | +0.75pp |
| 2020-12-31 | 0.66% | $118.66 Million | $17.91 Billion | -0.64pp |
| 2019-12-31 | 1.30% | $172.13 Million | $13.21 Billion | -20.18pp |
| 2018-12-31 | 21.48% | $2.45 Billion | $11.41 Billion | -1.11pp |
| 2017-12-31 | 22.60% | $2.22 Billion | $9.81 Billion | +0.21pp |
| 2016-12-31 | 22.38% | $1.85 Billion | $8.25 Billion | +1.87pp |
| 2015-12-31 | 20.51% | $1.58 Billion | $7.69 Billion | -2.65pp |
| 2014-12-31 | 23.16% | $1.40 Billion | $6.05 Billion | -4.42pp |
| 2013-12-31 | 27.58% | $1.63 Billion | $5.92 Billion | -2.63pp |
| 2012-12-31 | 30.21% | $1.51 Billion | $4.98 Billion | +30.14pp |
| 2011-12-31 | 0.07% | $3.15 Million | $4.26 Billion | -0.02pp |
| 2010-12-31 | 0.09% | $3.61 Million | $4.00 Billion | -0.03pp |
| 2009-12-31 | 0.12% | $4.79 Million | $4.01 Billion | +0.06pp |
| 2008-12-31 | 0.06% | $2.33 Million | $3.63 Billion | +0.05pp |
| 2007-12-31 | 0.01% | $364.00K | $3.26 Billion | -1.32pp |
| 2006-12-31 | 1.33% | $40.60 Million | $3.06 Billion | -0.11pp |
| 2005-12-31 | 1.44% | $40.60 Million | $2.82 Billion | +1.21pp |
| 2004-12-31 | 0.23% | $6.01 Million | $2.63 Billion | +0.06pp |
| 2003-12-31 | 0.17% | $3.44 Million | $2.02 Billion | -2.16pp |
| 2002-12-31 | 2.33% | $41.56 Million | $1.79 Billion | -0.62pp |
| 2001-12-31 | 2.94% | $48.38 Million | $1.64 Billion | -0.32pp |
| 2000-12-31 | 3.26% | $47.80 Million | $1.47 Billion | -- |