Southern California Bancorp Common Stock (BCAL) — Defensive Interval Ratio
Southern California Bancorp Common Stock (BCAL) has a Defensive Interval Ratio of 32 days as of March 2026. Defensive assets of $298.62 Million (cash $-, short-term investments $298.62 Million, receivables $-) cover 32 days of daily cash needs of $9.30 Million/day. See Southern California Bancorp Common Stock short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Southern California Bancorp Common Stock Defensive Interval Ratio (2005–2025)
This chart shows how Southern California Bancorp Common Stock's Defensive Interval Ratio has evolved across 15 annual periods from 2005 to 2025. As of March 2026, the ratio stands at 32 days, meaning defensive assets of $298.62 Million can fund 32 days of operations without new revenue. See net asset quality index of Southern California Bancorp Common Stock to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Southern California Bancorp Common Stock (2005–2025)
The table below presents the year-by-year Defensive Interval Ratio for Southern California Bancorp Common Stock from 2005 to 2025, covering 15 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 BCAL market cap.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 73 days | $234.89 Million | $3.23 Million/day | $- | $234.89 Million | ▲ +58 days |
| 2024 | 15 days | $142.00 Million | $9.31 Million/day | $- | $142.00 Million | ▼ -9 days |
| 2023 | 24 days | $130.03 Million | $5.32 Million/day | $- | $130.03 Million | ▲ +3 days |
| 2022 | 21 days | $112.58 Million | $5.29 Million/day | $- | $112.58 Million | ▲ +11 days |
| 2021 | 10 days | $55.57 Million | $5.41 Million/day | $- | $55.57 Million | ▲ +3 days |
| 2020 | 8 days | $24.70 Million | $3.27 Million/day | $- | $24.70 Million | ▼ -1 days |
| 2019 | 9 days | $16.34 Million | $1.84 Million/day | $- | $16.34 Million | ▲ +9 days |
| 2018 | 0 days | $0.00 | $657.39K/day | $- | $0.00 | ▲ +0 days |
| 2017 | 0 days | $0.00 | $531.39K/day | $- | $0.00 | ▲ +0 days |
| 2016 | 0 days | $0.00 | $500.09K/day | $- | $0.00 | ▲ +0 days |
| 2015 | 0 days | $0.00 | $518.94K/day | $- | $0.00 | ▲ +0 days |
| 2014 | 0 days | $0.00 | $640.35K/day | $- | $0.00 | ▼ -3 days |
| 2007 | 3 days | $465.00K | $135.82K/day | $- | $- | ▲ +3 days |
| 2006 | 0 days | $482.00 | $115.09K/day | $- | $482.00 | ▼ -1 days |
| 2005 | 1 days | $97.90K | $115.97K/day | $- | $97.90K | — |