HCB Financial Corp
HCB Financial Corp. operates as the bank holding company for Highpoint Community Bank that provides various banking products and services in the United States. The company offers personal and premier checking accounts; savings accounts; mortgage loans; and personal loans, including automobile, recreational vehicle, unsecured, credit builder, and student loans, as well as personal line of credit. … Read more
HCB Financial Corp - Asset Resilience Ratio
HCB Financial Corp (HCBN) has an Asset Resilience Ratio of -0.71% as of December 2023. 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 (2014–2023)
This chart shows how HCB Financial Corp's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down HCB Financial Corp'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 | $-3.97 Million | -0.71% |
| Total Liquid Assets | $-3.97 Million | -0.71% |
Asset Resilience Insights
- Limited Liquidity: HCB Financial Corp maintains only -0.71% 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.
HCB Financial Corp Industry Peers by Asset Resilience Ratio
Compare HCB Financial Corp'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% |
|
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% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for HCB Financial Corp (2014–2023)
The table below shows the annual Asset Resilience Ratio data for HCB Financial Corp.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2023-12-31 | -8.73% | $-49.00 Million | $561.43 Million | -7.78pp |
| 2022-12-31 | -0.95% | $-4.46 Million | $472.14 Million | +0.56pp |
| 2021-12-31 | -1.50% | $-6.95 Million | $461.81 Million | +0.94pp |
| 2020-12-31 | -2.45% | $-9.67 Million | $395.06 Million | +2.05pp |
| 2019-12-31 | -4.50% | $-14.59 Million | $324.29 Million | -10.48pp |
| 2018-12-31 | 5.98% | $19.06 Million | $318.73 Million | -2.66pp |
| 2017-12-31 | 8.64% | $28.18 Million | $326.10 Million | -1.33pp |
| 2016-12-31 | 9.97% | $30.86 Million | $309.56 Million | -1.04pp |
| 2015-12-31 | 11.01% | $33.29 Million | $302.27 Million | -1.00pp |
| 2014-12-31 | 12.01% | $36.56 Million | $304.37 Million | -- |