Sierra Bancorp Defensive Interval Ratio
Sierra Bancorp defensive interval ratio. Sierra Bancorp (BSRR) has a Defensive Interval Ratio of 180 days as of December 2025. Defensive assets of $916.14 Million (cash $-, short-term investments $916.14 Million, receivables $-) cover 180 days of daily cash needs of $5.10 Million/day. See working capital position of Sierra Bancorp 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 Sierra Bancorp (1998–2025)
Defensive interval ratio of Sierra Bancorp from 1998 to 2025. This chart shows how Sierra Bancorp's Defensive Interval Ratio has evolved across 28 annual periods from 1998 to 2025. As of December 2025, the ratio stands at 180 days, meaning defensive assets of $916.14 Million can fund 180 days of operations without new revenue. Check BSRR financial resilience to evaluate the company's liquid asset resilience ratio.
Sierra Bancorp Defensive Interval Ratio by Year (1998–2025)
Sierra Bancorp defensive interval ratio by year from 1998 to 2025. The table below presents the year-by-year Defensive Interval Ratio for Sierra Bancorp from 1998 to 2025, covering 28 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 Sierra Bancorp balance sheet assets.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 180 days | $916.14 Million | $5.10 Million/day | $- | $916.14 Million | ▲ +98 days |
| 2024 | 82 days | $671.97 Million | $8.22 Million/day | $- | $655.97 Million | ▼ -39 days |
| 2023 | 120 days | $1.04 Billion | $8.63 Million/day | $- | $1.02 Billion | ▲ +11 days |
| 2022 | 110 days | $953.28 Million | $8.70 Million/day | $- | $934.92 Million | ▼ -41 days |
| 2021 | 151 days | $984.56 Million | $6.52 Million/day | $- | $973.31 Million | ▼ -1280 days |
| 2020 | 1430 days | $560.05 Million | $391.51K/day | $- | $543.97 Million | ▼ -9684 days |
| 2019 | 11115 days | $609.03 Million | $54.79K/day | $- | $600.80 Million | ▲ +7412 days |
| 2018 | 3702 days | $569.07 Million | $153.70K/day | $- | $560.48 Million | ▼ -5731 days |
| 2017 | 9434 days | $566.01 Million | $60.00K/day | $- | $558.33 Million | ▲ +6421 days |
| 2016 | 3012 days | $536.44 Million | $178.08K/day | $- | $530.08 Million | ▲ +524 days |
| 2015 | 2489 days | $513.39 Million | $206.30K/day | $- | $507.58 Million | ▼ -7895 days |
| 2014 | 10383 days | $517.74 Million | $49.86K/day | $- | $511.88 Million | ▲ +10250 days |
| 2013 | 133 days | $430.03 Million | $3.23 Million/day | $- | $425.04 Million | ▼ -3704 days |
| 2012 | 3837 days | $385.28 Million | $100.41K/day | $- | $380.19 Million | ▲ +3430 days |
| 2011 | 407 days | $19.08 Million | $46.90K/day | $- | $13.71 Million | ▲ +293 days |
| 2010 | 113 days | $331.73 Million | $2.92 Million/day | $- | $331.73 Million | ▲ +24 days |
| 2009 | 89 days | $278.17 Million | $3.11 Million/day | $- | $278.17 Million | ▲ +12 days |
| 2008 | 78 days | $243.41 Million | $3.14 Million/day | $- | $243.41 Million | ▲ +15 days |
| 2007 | 62 days | $191.78 Million | $3.07 Million/day | $- | $184.92 Million | ▼ -6 days |
| 2006 | 68 days | $196.97 Million | $2.88 Million/day | $- | $190.27 Million | ▼ -14 days |
| 2005 | 82 days | $198.78 Million | $2.42 Million/day | $- | $193.68 Million | ▼ -7 days |
| 2004 | 89 days | $198.02 Million | $2.22 Million/day | $- | $198.02 Million | ▲ +46 days |
| 2003 | 43 days | $84.80 Million | $1.97 Million/day | $- | $84.80 Million | ▼ -5 days |
| 2002 | 48 days | $83.91 Million | $1.75 Million/day | $- | $83.91 Million | ▲ +45 days |
| 2001 | 2 days | $3.96 Million | $1.66 Million/day | $- | $190.00K | ▼ -2 days |
| 2000 | 4 days | $6.38 Million | $1.54 Million/day | $- | $1.48 Million | ▲ +2 days |
| 1999 | 2 days | $2.50 Million | $1.15 Million/day | $- | $- | ▼ 0 days |
| 1998 | 2 days | $2.40 Million | $1.00 Million/day | $- | $- | — |