Carver Bancorp Inc (CARV) — Defensive Interval Ratio
Carver Bancorp Inc (CARV) has a Defensive Interval Ratio of 28 days as of June 2026. Defensive assets of $44.36 Million (cash $-, short-term investments $41.65 Million, receivables $2.71 Million) cover 28 days of daily cash needs of $1.57 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Carver Bancorp Inc Defensive Interval Ratio (1995–2026)
This chart shows how Carver Bancorp Inc's Defensive Interval Ratio has evolved across 32 annual periods from 1995 to 2026. As of June 2026, the ratio stands at 28 days, meaning defensive assets of $44.36 Million can fund 28 days of operations without new revenue. For the complete balance sheet picture, see how large is Carver Bancorp Inc's balance sheet.
Annual Defensive Interval Ratio for Carver Bancorp Inc (1995–2026)
The table below presents the year-by-year Defensive Interval Ratio for Carver Bancorp Inc from 1995 to 2026, covering 32 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 CARV working capital ratio 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) |
|---|---|---|---|---|---|---|
| 2026 | 988 days | $24.89 Million | $25.18K/day | $- | $21.70 Million | ▲ +963 days |
| 2025 | 26 days | $46.66 Million | $1.81 Million/day | $- | $43.68 Million | ▼ -3 days |
| 2024 | 29 days | $51.69 Million | $1.77 Million/day | $- | $48.03 Million | ▼ -5 days |
| 2023 | 34 days | $55.75 Million | $1.65 Million/day | $- | $53.84 Million | ▼ -7 days |
| 2022 | 41 days | $70.01 Million | $1.72 Million/day | $- | $67.60 Million | ▼ -18 days |
| 2021 | 58 days | $89.15 Million | $1.52 Million/day | $- | $86.51 Million | ▲ +8 days |
| 2020 | 51 days | $67.88 Million | $1.34 Million/day | $- | $65.83 Million | ▼ -53023 days |
| 2019 | 53073 days | $81.86 Million | $1.54K/day | $- | $79.84 Million | ▲ +53034 days |
| 2018 | 39 days | $62.73 Million | $1.61 Million/day | $- | $60.71 Million | ▲ +3 days |
| 2017 | 36 days | $60.59 Million | $1.70 Million/day | $- | $59.01 Million | ▲ +0 days |
| 2016 | 35 days | $58.60 Million | $1.66 Million/day | $- | $56.18 Million | ▼ -36 days |
| 2015 | 71 days | $102.98 Million | $1.45 Million/day | $- | $100.20 Million | ▲ +5 days |
| 2014 | 66 days | $92.02 Million | $1.40 Million/day | $- | $89.46 Million | ▼ -21 days |
| 2013 | 87 days | $118.30 Million | $1.36 Million/day | $- | $116.05 Million | ▲ +27 days |
| 2012 | 60 days | $87.36 Million | $1.46 Million/day | $- | $85.11 Million | ▲ +23 days |
| 2011 | 37 days | $56.41 Million | $1.54 Million/day | $- | $53.55 Million | ▲ +34 days |
| 2010 | 3 days | $4.37 Million | $1.65 Million/day | $- | $833.00K | ▼ -3 days |
| 2009 | 5 days | $8.79 Million | $1.65 Million/day | $- | $5.09 Million | ▼ -3 days |
| 2008 | 9 days | $15.51 Million | $1.79 Million/day | $- | $11.45 Million | ▲ +4 days |
| 2007 | 4 days | $7.07 Million | $1.69 Million/day | $- | $2.73 Million | ▼ -5 days |
| 2006 | 9 days | $12.27 Million | $1.38 Million/day | $- | $9.30 Million | ▲ +1 days |
| 2005 | 8 days | $10.10 Million | $1.24 Million/day | $- | $7.40 Million | ▼ -5 days |
| 2004 | 13 days | $13.69 Million | $1.02 Million/day | $- | $11.20 Million | ▲ +5 days |
| 2003 | 9 days | $8.85 Million | $1.00 Million/day | $- | $5.50 Million | ▼ -12 days |
| 2002 | 21 days | $23.90 Million | $1.14 Million/day | $- | $21.10 Million | ▼ -4 days |
| 2001 | 25 days | $26.24 Million | $1.05 Million/day | $- | $23.70 Million | ▲ +11 days |
| 2000 | 13 days | $13.95 Million | $1.04 Million/day | $- | $11.30 Million | ▲ +10 days |
| 1999 | 3 days | $2.90 Million | $978.90K/day | $- | $- | ▲ +0 days |
| 1998 | 3 days | $2.80 Million | $1.09 Million/day | $- | $- | ▼ 0 days |
| 1997 | 3 days | $3.00 Million | $1.06 Million/day | $- | $- | ▼ 0 days |
| 1996 | 3 days | $2.70 Million | $862.74K/day | $- | $- | ▲ +0 days |
| 1995 | 3 days | $2.70 Million | $901.37K/day | $- | $- | — |