Columbia Financial Inc Defensive Interval Ratio
Columbia Financial Inc defensive interval ratio. Columbia Financial Inc (CLBK) has a Defensive Interval Ratio of 3 days as of December 2025. Defensive assets of $41.60 Million (cash $-, short-term investments $111.00K, receivables $41.49 Million) cover 3 days of daily cash needs of $13.61 Million/day. See CLBK working capital ratio 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 Columbia Financial Inc (2016–2025)
Defensive interval ratio of Columbia Financial Inc from 2016 to 2025. This chart shows how Columbia Financial Inc's Defensive Interval Ratio has evolved across 10 annual periods from 2016 to 2025. As of December 2025, the ratio stands at 3 days, meaning defensive assets of $41.60 Million can fund 3 days of operations without new revenue. Check CLBK asset liquidity ratio to evaluate the company's liquid asset resilience ratio.
Columbia Financial Inc Defensive Interval Ratio by Year (2016–2025)
Columbia Financial Inc defensive interval ratio by year from 2016 to 2025. The table below presents the year-by-year Defensive Interval Ratio for Columbia Financial Inc from 2016 to 2025, covering 10 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 Columbia Financial Inc balance sheet assets.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 3 days | $41.60 Million | $13.61 Million/day | $- | $111.00K | ▼ -34 days |
| 2024 | 37 days | $813.01 Million | $22.18 Million/day | $- | $772.63 Million | ▼ -16 days |
| 2023 | 53 days | $1.13 Billion | $21.50 Million/day | $- | $1.09 Billion | ▼ -33 days |
| 2022 | 86 days | $1.36 Billion | $15.89 Million/day | $- | $1.33 Billion | ▼ -36 days |
| 2021 | 122 days | $1.73 Billion | $14.25 Million/day | $- | $1.70 Billion | ▲ +15 days |
| 2020 | 106 days | $1.35 Billion | $12.69 Million/day | $- | $1.32 Billion | ▲ +36 days |
| 2019 | 70 days | $1.12 Billion | $16.09 Million/day | $- | $1.10 Billion | ▼ -2340 days |
| 2018 | 2410 days | $1.05 Billion | $437.26K/day | $- | $1.03 Billion | ▲ +2349 days |
| 2017 | 60 days | $726.49 Million | $12.04 Million/day | $- | $710.57 Million | ▼ -10 days |
| 2016 | 70 days | $784.93 Million | $11.13 Million/day | $- | $771.78 Million | — |