Heritage Commerce Corp (HTBK) — Working Capital to Net Assets Ratio
Heritage Commerce Corp (HTBK) has a Working Capital to Net Assets ratio of -233.0% as of December 2025. Working capital of $-1.65 Billion (current assets of $614.64 Million minus current liabilities of $2.27 Billion) is measured against net assets of $708.57 Million. A higher ratio indicates strong short-term liquidity financed by the equity base. See debt-free asset ratio of Heritage Commerce Corp to measure how much of total assets are equity-financed.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
Heritage Commerce Corp Working Capital to Net Assets (1997–2025)
This chart shows how Heritage Commerce Corp's Working Capital to Net Assets ratio has evolved across 29 annual periods from 1997 to 2025. As of December 2025, the ratio stands at -233.0%, reflecting working capital of $-1.65 Billion against net assets of $708.57 Million USD. Check Heritage Commerce Corp tangible book value ratio to evaluate the tangible quality of the company's equity base.
Annual Working Capital to Net Assets for Heritage Commerce Corp (1997–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for Heritage Commerce Corp from 1997 to 2025, covering 29 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 live market cap and the full company profile, see HTBK company net worth.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | -233.0% | $-1.65 Billion | $708.57 Million | $614.64 Million | $2.27 Billion | ▲ +288.3 pp |
| 2024 | -521.3% | $-3.60 Billion | $689.73 Million | $1.22 Billion | $4.82 Billion | ▲ +2.9 pp |
| 2023 | -524.3% | $-3.53 Billion | $672.90 Million | $850.76 Million | $4.38 Billion | ▼ -649.7 pp |
| 2022 | 125.5% | $793.49 Million | $632.46 Million | $889.66 Million | $96.17 Million | ▼ -112.7 pp |
| 2021 | 238.1% | $1.42 Billion | $598.03 Million | $1.53 Billion | $102.04 Million | ▼ -1.7 pp |
| 2020 | 239.8% | $1.39 Billion | $577.89 Million | $1.49 Billion | $102.00 Million | ▲ +684.4 pp |
| 2019 | -444.6% | $-2.56 Billion | $576.71 Million | $929.34 Million | $3.49 Billion | ▼ -1017.5 pp |
| 2018 | 572.9% | $2.11 Billion | $367.47 Million | $2.16 Billion | $52.20 Million | ▼ -143.7 pp |
| 2017 | 716.6% | $1.94 Billion | $271.36 Million | $1.99 Billion | $50.04 Million | ▲ +1366.1 pp |
| 2016 | -649.5% | $-1.69 Billion | $259.85 Million | $623.20 Million | $2.31 Billion | ▼ -101.3 pp |
| 2015 | -548.3% | $-1.35 Billion | $245.44 Million | $770.51 Million | $2.12 Billion | ▲ +31.1 pp |
| 2014 | -579.3% | $-1.07 Billion | $184.36 Million | $364.68 Million | $1.43 Billion | ▼ -65.7 pp |
| 2013 | -513.6% | $-890.64 Million | $173.40 Million | $427.60 Million | $1.32 Billion | ▼ -79.0 pp |
| 2012 | -434.6% | $-737.70 Million | $169.74 Million | $776.59 Million | $1.51 Billion | ▼ -136.2 pp |
| 2011 | -298.4% | $-590.31 Million | $197.83 Million | $494.35 Million | $1.08 Billion | ▲ +208.0 pp |
| 2010 | -506.4% | $-922.43 Million | $182.15 Million | $118.08 Million | $1.04 Billion | ▲ +116.1 pp |
| 2009 | -622.6% | $-1.07 Billion | $172.31 Million | $95.17 Million | $1.17 Billion | ▲ +34.4 pp |
| 2008 | -657.0% | $-1.21 Billion | $184.27 Million | $65.63 Million | $1.28 Billion | ▲ +0.4 pp |
| 2007 | -657.4% | $-1.08 Billion | $164.82 Million | $75.42 Million | $1.16 Billion | ▲ +9.8 pp |
| 2006 | -667.2% | $-819.41 Million | $122.82 Million | $71.20 Million | $890.62 Million | ▲ +155.2 pp |
| 2005 | -822.4% | $-917.91 Million | $111.62 Million | $77.28 Million | $995.19 Million | ▲ +61.4 pp |
| 2004 | -883.8% | $-871.22 Million | $98.58 Million | $66.87 Million | $938.09 Million | ▼ -15.6 pp |
| 2003 | -868.2% | $-780.04 Million | $89.85 Million | $69.15 Million | $849.20 Million | ▼ -126.0 pp |
| 2002 | -742.2% | $-785.71 Million | $105.86 Million | $67.18 Million | $852.89 Million | ▲ +80.0 pp |
| 2001 | -822.2% | $-769.35 Million | $93.57 Million | $49.85 Million | $819.20 Million | ▲ +49.2 pp |
| 2000 | -871.4% | $-694.80 Million | $79.73 Million | $53.69 Million | $748.49 Million | ▲ +156.4 pp |
| 1999 | -1027.8% | $-580.70 Million | $56.50 Million | $28.00 Million | $608.70 Million | ▲ +109.0 pp |
| 1998 | -1136.8% | $-349.00 Million | $30.70 Million | $25.20 Million | $374.20 Million | ▼ -242.3 pp |
| 1997 | -894.5% | $-199.79 Million | $22.34 Million | $43.19 Million | $242.98 Million | — |