Carter Bank and Trust (CARE) — Defensive Interval Ratio
Carter Bank and Trust (CARE) has a Defensive Interval Ratio of 127 days as of December 2025. Defensive assets of $691.61 Million (cash $-, short-term investments $691.61 Million, receivables $-) cover 127 days of daily cash needs of $5.43 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Carter Bank and Trust Defensive Interval Ratio (2009–2024)
This chart shows how Carter Bank and Trust's Defensive Interval Ratio has evolved across 16 annual periods from 2009 to 2024. As of December 2025, the ratio stands at 127 days, meaning defensive assets of $691.61 Million can fund 127 days of operations without new revenue. For the complete balance sheet picture, see how large is Carter Bank and Trust's balance sheet.
Annual Defensive Interval Ratio for Carter Bank and Trust (2009–2024)
The table below presents the year-by-year Defensive Interval Ratio for Carter Bank and Trust from 2009 to 2024, covering 16 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See working capital position of Carter Bank and Trust to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2024 | 63 days | $718.40 Million | $11.38 Million/day | $- | $654.95 Million | ▼ -13 days |
| 2023 | 76 days | $779.00 Million | $10.20 Million/day | $- | $719.64 Million | ▼ -7 days |
| 2022 | 84 days | $836.27 Million | $10.00 Million/day | $- | $836.27 Million | ▼ -7 days |
| 2021 | 91 days | $922.40 Million | $10.13 Million/day | $- | $922.40 Million | ▲ +14 days |
| 2020 | 77 days | $778.68 Million | $10.09 Million/day | $- | $778.68 Million | ▼ 0 days |
| 2019 | 77 days | $742.62 Million | $9.60 Million/day | $- | $742.62 Million | ▼ -2 days |
| 2018 | 80 days | $782.76 Million | $9.84 Million/day | $- | $782.76 Million | ▼ -15 days |
| 2017 | 94 days | $947.20 Million | $10.05 Million/day | $- | $947.20 Million | ▲ +80 days |
| 2016 | 14 days | $160.94 Million | $11.13 Million/day | $- | $160.94 Million | ▼ -29 days |
| 2015 | 44 days | $531.51 Million | $12.20 Million/day | $- | $531.51 Million | ▲ +29 days |
| 2014 | 15 days | $169.21 Million | $11.55 Million/day | $- | $169.21 Million | ▼ -20 days |
| 2013 | 34 days | $403.33 Million | $11.70 Million/day | $- | $403.33 Million | ▼ -3 days |
| 2012 | 37 days | $413.53 Million | $11.13 Million/day | $- | $413.53 Million | ▼ -20 days |
| 2011 | 57 days | $562.25 Million | $9.89 Million/day | $- | $562.25 Million | ▼ -96 days |
| 2010 | 153 days | $484.70 Million | $3.17 Million/day | $- | $484.70 Million | ▲ +75 days |
| 2009 | 78 days | $210.24 Million | $2.68 Million/day | $- | $210.24 Million | — |