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. See Carter Bank and Trust working capital to net assets to evaluate short-term liquidity relative to the company's equity base.
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. See CARE net asset quality score to measure how much of total assets are equity-financed.
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. For live market cap and the full company financial profile, see CARE company net worth.
| 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 | — |