Horizon Bancorp (HBNC) — Working Capital to Net Assets Ratio
Horizon Bancorp (HBNC) has a Working Capital to Net Assets ratio of -616.8% as of June 2026. Working capital of $-4.48 Billion (current assets of $1.16 Billion minus current liabilities of $5.63 Billion) is measured against net assets of $726.19 Million. A higher ratio indicates strong short-term liquidity financed by the equity base.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Horizon Bancorp Working Capital to Net Assets (1995–2025)
This chart shows how Horizon Bancorp's Working Capital to Net Assets ratio has evolved across 31 annual periods from 1995 to 2025. As of June 2026, the ratio stands at -616.8%, reflecting working capital of $-4.48 Billion against net assets of $726.19 Million USD. Explore HBNC long-term asset investment ratio to see how much of total assets are deployed in long-term investments.
Annual Working Capital to Net Assets for Horizon Bancorp (1995–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for Horizon Bancorp from 1995 to 2025, covering 31 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. For the complete balance sheet picture, see total assets of Horizon Bancorp.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | 1.7% | $11.96 Million | $688.25 Million | $100.43 Million | $88.47 Million | ▲ +674.1 pp |
| 2024 | -672.4% | $-5.13 Billion | $763.58 Million | $567.59 Million | $5.70 Billion | ▼ -592.2 pp |
| 2023 | -80.2% | $-576.47 Million | $718.81 Million | $561.79 Million | $1.14 Billion | ▼ -250.5 pp |
| 2022 | 170.3% | $1.15 Billion | $677.38 Million | $1.16 Billion | $5.38 Million | ▲ +744.3 pp |
| 2021 | -573.9% | $-4.15 Billion | $723.21 Million | $1.79 Billion | $5.94 Billion | ▼ -777.8 pp |
| 2020 | 203.9% | $1.41 Billion | $692.22 Million | $1.41 Billion | $2.71 Million | ▲ +56.9 pp |
| 2019 | 147.0% | $964.13 Million | $656.02 Million | $967.19 Million | $3.06 Million | ▼ -509.5 pp |
| 2018 | 656.4% | $3.23 Billion | $491.99 Million | $3.23 Billion | $2.03 Million | ▼ -7.1 pp |
| 2017 | 663.6% | $3.03 Billion | $457.08 Million | $3.05 Billion | $13.39 Million | ▼ -21.6 pp |
| 2016 | 685.2% | $2.34 Billion | $340.86 Million | $2.36 Billion | $19.97 Million | ▼ -27.4 pp |
| 2015 | 712.6% | $1.90 Billion | $266.83 Million | $1.90 Billion | $507.00K | ▲ +1402.9 pp |
| 2014 | -690.3% | $-1.34 Billion | $194.41 Million | $375.49 Million | $1.72 Billion | ▼ -128.1 pp |
| 2013 | -562.2% | $-925.46 Million | $164.62 Million | $547.81 Million | $1.47 Billion | ▲ +69.8 pp |
| 2012 | -632.0% | $-1.00 Billion | $158.97 Million | $521.25 Million | $1.53 Billion | ▼ -16.0 pp |
| 2011 | -615.9% | $-748.15 Million | $121.47 Million | $458.16 Million | $1.21 Billion | ▲ +242.7 pp |
| 2010 | -858.6% | $-964.08 Million | $112.28 Million | $22.20 Million | $986.28 Million | ▼ -92.4 pp |
| 2009 | -766.2% | $-878.15 Million | $114.61 Million | $74.69 Million | $952.84 Million | ▲ +144.1 pp |
| 2008 | -910.4% | $-940.89 Million | $103.35 Million | $44.39 Million | $985.27 Million | ▲ +687.9 pp |
| 2007 | -1598.3% | $-1.13 Billion | $70.64 Million | $25.86 Million | $1.15 Billion | ▼ -78.7 pp |
| 2006 | -1519.6% | $-940.28 Million | $61.88 Million | $59.30 Million | $999.59 Million | ▲ +61.7 pp |
| 2005 | -1581.3% | $-846.46 Million | $53.53 Million | $60.80 Million | $907.25 Million | ▼ -249.6 pp |
| 2004 | -1331.7% | $-671.60 Million | $50.43 Million | $23.93 Million | $695.52 Million | ▼ -194.2 pp |
| 2003 | -1137.5% | $-525.79 Million | $46.22 Million | $41.37 Million | $567.16 Million | ▲ +9.6 pp |
| 2002 | -1147.1% | $-475.00 Million | $41.41 Million | $39.52 Million | $514.52 Million | ▲ +358.0 pp |
| 2001 | -1505.1% | $-525.92 Million | $34.94 Million | $22.08 Million | $548.00 Million | ▼ -56.0 pp |
| 2000 | -1449.0% | $-458.24 Million | $31.62 Million | $38.59 Million | $496.83 Million | ▲ +205.2 pp |
| 1999 | -1654.2% | $-350.54 Million | $21.19 Million | $37.62 Million | $388.17 Million | ▼ -590.1 pp |
| 1998 | -1064.1% | $-292.28 Million | $27.47 Million | $34.12 Million | $326.40 Million | ▼ -166.1 pp |
| 1997 | -897.9% | $-257.79 Million | $28.71 Million | $22.62 Million | $280.41 Million | ▲ +56.0 pp |
| 1996 | -953.9% | $-279.47 Million | $29.30 Million | $22.56 Million | $302.03 Million | ▼ -42.4 pp |
| 1995 | -911.5% | $-260.27 Million | $28.55 Million | $50.28 Million | $310.55 Million | — |