Civista Bancshares Inc (CIVB) — Defensive Interval Ratio
Civista Bancshares Inc (CIVB) has a Defensive Interval Ratio of 1448 days as of December 2025. Defensive assets of $699.04 Million (cash $-, short-term investments $684.60 Million, receivables $14.44 Million) cover 1448 days of daily cash needs of $482.80K/day. See working capital to net assets of Civista Bancshares Inc to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Civista Bancshares Inc Defensive Interval Ratio (1996–2025)
This chart shows how Civista Bancshares Inc's Defensive Interval Ratio has evolved across 30 annual periods from 1996 to 2025. As of December 2025, the ratio stands at 1448 days, meaning defensive assets of $699.04 Million can fund 1448 days of operations without new revenue. See how leveraged is Civista Bancshares Inc's balance sheet to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Civista Bancshares Inc (1996–2025)
The table below presents the year-by-year Defensive Interval Ratio for Civista Bancshares Inc from 1996 to 2025, covering 30 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 CIVB market cap overview.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 1448 days | $699.04 Million | $482.80K/day | $- | $684.60 Million | ▲ +1415 days |
| 2024 | 33 days | $324.33 Million | $9.73 Million/day | $- | $265.34 Million | ▼ -42 days |
| 2023 | 75 days | $685.44 Million | $9.10 Million/day | $- | $618.27 Million | ▼ -529 days |
| 2022 | 605 days | $652.20 Million | $1.08 Million/day | $- | $615.40 Million | ▲ +521 days |
| 2021 | 84 days | $567.26 Million | $6.76 Million/day | $- | $559.87 Million | ▲ +23 days |
| 2020 | 61 days | $372.88 Million | $6.14 Million/day | $- | $363.46 Million | ▼ -13 days |
| 2019 | 73 days | $365.59 Million | $4.98 Million/day | $- | $358.50 Million | ▼ -3 days |
| 2018 | 77 days | $354.09 Million | $4.61 Million/day | $- | $347.36 Million | ▲ +7 days |
| 2017 | 70 days | $235.55 Million | $3.37 Million/day | $- | $231.06 Million | ▲ +4 days |
| 2016 | 65 days | $199.72 Million | $3.05 Million/day | $- | $195.86 Million | ▼ -66 days |
| 2015 | 131 days | $200.15 Million | $1.52 Million/day | $- | $196.25 Million | ▼ -5943 days |
| 2014 | 6074 days | $201.76 Million | $33.22K/day | $- | $197.91 Million | ▲ +5998 days |
| 2013 | 76 days | $203.49 Million | $2.66 Million/day | $- | $199.61 Million | ▼ -2 days |
| 2012 | 79 days | $207.67 Million | $2.64 Million/day | $- | $203.96 Million | ▼ -3 days |
| 2011 | 82 days | $208.42 Million | $2.55 Million/day | $- | $204.63 Million | ▲ +80 days |
| 2010 | 2 days | $4.38 Million | $2.53 Million/day | $- | $- | ▼ 0 days |
| 2009 | 2 days | $5.42 Million | $2.44 Million/day | $- | $- | ▼ 0 days |
| 2008 | 2 days | $5.76 Million | $2.40 Million/day | $- | $- | ▼ -8 days |
| 2007 | 11 days | $25.55 Million | $2.38 Million/day | $- | $18.41 Million | ▲ +8 days |
| 2006 | 3 days | $5.14 Million | $1.62 Million/day | $- | $- | ▼ -15 days |
| 2005 | 18 days | $29.91 Million | $1.63 Million/day | $- | $25.51 Million | ▲ +11 days |
| 2004 | 8 days | $14.78 Million | $1.90 Million/day | $- | $9.95 Million | ▲ +5 days |
| 2003 | 3 days | $4.14 Million | $1.49 Million/day | $- | $- | ▼ -9 days |
| 2002 | 11 days | $17.50 Million | $1.53 Million/day | $- | $12.70 Million | ▲ +3 days |
| 2001 | 9 days | $9.91 Million | $1.16 Million/day | $- | $6.03 Million | ▲ +5 days |
| 2000 | 4 days | $4.11 Million | $1.17 Million/day | $- | $51.00K | ▲ +0 days |
| 1999 | 3 days | $3.68 Million | $1.15 Million/day | $- | $- | ▲ +0 days |
| 1998 | 3 days | $3.72 Million | $1.16 Million/day | $- | $- | ▲ +0 days |
| 1997 | 3 days | $2.03 Million | $730.94K/day | $- | $- | ▲ +0 days |
| 1996 | 3 days | $1.82 Million | $663.38K/day | $- | $- | — |