Hawthorn Bancshares Inc - Asset Resilience Ratio
Hawthorn Bancshares Inc (HWBK) has an Asset Resilience Ratio of 6.42% as of September 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 asset allocation strategy of Hawthorn Bancshares Inc to assess the company's strategic physical and investment asset allocation.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2024)
This chart shows how Hawthorn Bancshares Inc's Asset Resilience Ratio has changed over time. See how leveraged is Hawthorn Bancshares Inc's balance sheet to measure how much of total assets are equity-financed.
Liquid Assets Composition Over Time
This chart breaks down Hawthorn Bancshares Inc'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 market value of Hawthorn Bancshares Inc.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $124.10 Million | 6.42% |
| Total Liquid Assets | $124.10 Million | 6.42% |
Asset Resilience Insights
- Limited Liquidity: Hawthorn Bancshares Inc maintains only 6.42% 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.
Hawthorn Bancshares Inc Industry Peers by Asset Resilience Ratio
Compare Hawthorn Bancshares Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Kreditbanken A/S
CO:KRE |
Banks - Regional | 0.05% |
|
Nu Holdings Ltd
NYSE:NU |
Banks - Regional | 1.52% |
|
Commerzbank AG
XETRA:CBK |
Banks - Regional | 5.22% |
|
Bank Mandiri Persero Tbk PT
JK:BMRI |
Banks - Regional | -0.12% |
|
Axos Financial Inc
NYSE:AX |
Banks - Regional | 0.21% |
|
Bank of Nanjing Co Ltd
SHG:601009 |
Banks - Regional | -5.31% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
King’s Town Bank
TW:2809 |
Banks - Regional | -9.61% |
Annual Asset Resilience Ratio for Hawthorn Bancshares Inc (2000–2024)
The table below shows the annual Asset Resilience Ratio data for Hawthorn Bancshares Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 11.98% | $218.65 Million | $1.83 Billion | +1.92pp |
| 2023-12-31 | 10.06% | $188.74 Million | $1.88 Billion | -2.97pp |
| 2022-12-31 | 13.04% | $250.75 Million | $1.92 Billion | -3.94pp |
| 2021-12-31 | 16.97% | $310.87 Million | $1.83 Billion | +5.55pp |
| 2020-12-31 | 11.42% | $198.03 Million | $1.73 Billion | -0.31pp |
| 2019-12-31 | 11.73% | $175.09 Million | $1.49 Billion | -3.00pp |
| 2018-12-31 | 14.73% | $218.21 Million | $1.48 Billion | -1.44pp |
| 2017-12-31 | 16.16% | $231.03 Million | $1.43 Billion | -0.50pp |
| 2016-12-31 | 16.67% | $214.51 Million | $1.29 Billion | -2.91pp |
| 2015-12-31 | 19.57% | $235.05 Million | $1.20 Billion | +2.56pp |
| 2014-12-31 | 17.01% | $199.00 Million | $1.17 Billion | -1.05pp |
| 2013-12-31 | 18.07% | $205.99 Million | $1.14 Billion | +1.12pp |
| 2012-12-31 | 16.95% | $200.25 Million | $1.18 Billion | -1.31pp |
| 2011-12-31 | 18.26% | $213.81 Million | $1.17 Billion | +18.25pp |
| 2010-12-31 | 0.01% | $126.00K | $1.20 Billion | +0.00pp |
| 2009-12-31 | 0.01% | $90.00K | $1.24 Billion | 0.00pp |
| 2008-12-31 | 0.01% | $105.00K | $1.28 Billion | -0.05pp |
| 2007-12-31 | 0.06% | $664.00K | $1.20 Billion | -0.81pp |
| 2006-12-31 | 0.87% | $9.92 Million | $1.14 Billion | -0.24pp |
| 2005-12-31 | 1.11% | $12.45 Million | $1.13 Billion | -3.40pp |
| 2004-12-31 | 4.50% | $41.60 Million | $923.87 Million | +1.17pp |
| 2003-12-31 | 3.34% | $29.23 Million | $875.60 Million | -2.91pp |
| 2002-12-31 | 6.25% | $49.67 Million | $794.42 Million | -0.77pp |
| 2001-12-31 | 7.02% | $54.48 Million | $775.83 Million | +3.75pp |
| 2000-12-31 | 3.27% | $23.55 Million | $719.60 Million | -- |
About Hawthorn Bancshares Inc
Hawthorn Bancshares, Inc. operates as the bank holding company for Hawthorn Bank that provides various banking products and services to families and businesses. It offers checking and savings accounts, and certificates of deposit. The company also provides commercial and industrial, single payment personal, mortgage, installment, and commercial and residential real estate loans. In addition, it p… Read more