Alerus Financial Corp (ALRS) — Defensive Interval Ratio
Alerus Financial Corp (ALRS) has a Defensive Interval Ratio of 915 days as of March 2026. Defensive assets of $501.10 Million (cash $-, short-term investments $480.63 Million, receivables $20.47 Million) cover 915 days of daily cash needs of $547.95K/day. Check tangible net worth ratio of Alerus Financial Corp to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Alerus Financial Corp Defensive Interval Ratio (2014–2025)
This chart shows how Alerus Financial Corp's Defensive Interval Ratio has evolved across 12 annual periods from 2014 to 2025. As of March 2026, the ratio stands at 915 days, meaning defensive assets of $501.10 Million can fund 915 days of operations without new revenue. Also explore Alerus Financial Corp (ALRS) equity growth momentum to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for Alerus Financial Corp (2014–2025)
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 live market cap and the full company financial profile, see market value of Alerus Financial Corp.
| 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 | — |