Alerus Financial Corp Defensive Interval Ratio
Alerus Financial Corp defensive interval ratio. Alerus Financial Corp (ALRS) has a Defensive Interval Ratio of 529 days as of June 2026. Defensive assets of $499.87 Million (cash $-, short-term investments $479.65 Million, receivables $20.21 Million) cover 529 days of daily cash needs of $945.21K/day. See ALRS net working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Defensive Interval Ratio of Alerus Financial Corp (2014–2025)
Defensive interval ratio of Alerus Financial Corp from 2014 to 2025. This chart shows how Alerus Financial Corp's Defensive Interval Ratio has evolved across 12 annual periods from 2014 to 2025. As of June 2026, the ratio stands at 529 days, meaning defensive assets of $499.87 Million can fund 529 days of operations without new revenue. Check how resilient are Alerus Financial Corp's assets to evaluate the company's liquid asset resilience ratio.
Alerus Financial Corp Defensive Interval Ratio by Year (2014–2025)
Alerus Financial Corp defensive interval ratio by year from 2014 to 2025. The table below presents the year-by-year Defensive Interval Ratio for Alerus Financial Corp from 2014 to 2025, covering 12 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For the complete balance sheet picture, see Alerus Financial Corp balance sheet assets.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 28 days | $23.50 Million | $846.03K/day | $- | $1.76 Million | ▼ -23 days |
| 2024 | 51 days | $647.67 Million | $12.65 Million/day | $- | $591.36 Million | ▼ -7 days |
| 2023 | 58 days | $544.02 Million | $9.34 Million/day | $- | $486.74 Million | ▼ -25 days |
| 2022 | 83 days | $765.38 Million | $9.20 Million/day | $- | $717.32 Million | ▼ -26 days |
| 2021 | 109 days | $885.92 Million | $8.14 Million/day | $- | $853.65 Million | ▲ +23 days |
| 2020 | 86 days | $616.14 Million | $7.17 Million/day | $- | $592.34 Million | ▲ +26 days |
| 2019 | 60 days | $331.13 Million | $5.49 Million/day | $- | $310.35 Million | ▲ +8 days |
| 2018 | 52 days | $271.92 Million | $5.20 Million/day | $- | $250.17 Million | ▼ -4 days |
| 2017 | 56 days | $293.62 Million | $5.20 Million/day | $- | $267.02 Million | ▼ -4 days |
| 2016 | 60 days | $301.45 Million | $4.99 Million/day | $- | $276.95 Million | ▲ +9 days |
| 2015 | 52 days | $211.11 Million | $4.09 Million/day | $- | $190.40 Million | ▼ -11 days |
| 2014 | 62 days | $218.35 Million | $3.51 Million/day | $- | $204.14 Million | — |