Southern California Bancorp Defensive Interval Ratio
Southern California Bancorp defensive interval ratio. Southern California Bancorp (BCAL) has a Defensive Interval Ratio of 34 days as of June 2026. Defensive assets of $308.79 Million (cash $-, short-term investments $308.79 Million, receivables $-) cover 34 days of daily cash needs of $9.20 Million/day. See how liquid is Southern California Bancorp's working capital 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 Southern California Bancorp (2005–2025)
Defensive interval ratio of Southern California Bancorp from 2005 to 2025. This chart shows how Southern California Bancorp's Defensive Interval Ratio has evolved across 15 annual periods from 2005 to 2025. As of June 2026, the ratio stands at 34 days, meaning defensive assets of $308.79 Million can fund 34 days of operations without new revenue. Check Southern California Bancorp liquid asset ratio to evaluate the company's liquid asset resilience ratio.
Southern California Bancorp Defensive Interval Ratio by Year (2005–2025)
Southern California Bancorp defensive interval ratio by year from 2005 to 2025. The table below presents the year-by-year Defensive Interval Ratio for Southern California Bancorp 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 the complete balance sheet picture, see Southern California Bancorp asset portfolio.
| 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 | — |