Southern California Bancorp Common Stock (BCAL) — Defensive Interval Ratio
Southern California Bancorp Common Stock (BCAL) has a Defensive Interval Ratio of 73 days as of December 2025. Defensive assets of $234.89 Million (cash $-, short-term investments $234.89 Million, receivables $-) cover 73 days of daily cash needs of $3.23 Million/day. Check tangible net worth ratio of Southern California Bancorp Common Stock to evaluate the tangible quality of 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 December 2025, the ratio stands at 73 days, meaning defensive assets of $234.89 Million can fund 73 days of operations without new revenue. Also explore BCAL net asset momentum to track the company's year-over-year net asset growth rate.
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 Southern California Bancorp Common Stock market capitalisation.
| 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 | — |