Citizens Community Bancorp Inc (CZWI) — Defensive Interval Ratio
Citizens Community Bancorp Inc (CZWI) has a Defensive Interval Ratio of 146324 days as of March 2026. Defensive assets of $136.70 Million (cash $-, short-term investments $130.88 Million, receivables $5.83 Million) cover 146324 days of daily cash needs of $934.25/day. Explore long-term investment intensity of Citizens Community Bancorp Inc to see how much of total assets are deployed in long-term investments.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Citizens Community Bancorp Inc Defensive Interval Ratio (2003–2025)
This chart shows how Citizens Community Bancorp Inc's Defensive Interval Ratio has evolved across 23 annual periods from 2003 to 2025. As of March 2026, the ratio stands at 146324 days, meaning defensive assets of $136.70 Million can fund 146324 days of operations without new revenue. Read debt load of Citizens Community Bancorp Inc for a breakdown of total debt and financial obligations.
Annual Defensive Interval Ratio for Citizens Community Bancorp Inc (2003–2025)
The table below presents the year-by-year Defensive Interval Ratio for Citizens Community Bancorp Inc from 2003 to 2025, covering 23 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 total assets of Citizens Community Bancorp Inc.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 18 days | $74.92 Million | $4.18 Million/day | $- | $68.79 Million | ▼ -1 days |
| 2024 | 19 days | $78.53 Million | $4.09 Million/day | $- | $72.87 Million | ▲ +1 days |
| 2023 | 18 days | $78.89 Million | $4.38 Million/day | $- | $73.48 Million | ▼ -22 days |
| 2022 | 40 days | $171.28 Million | $4.29 Million/day | $- | $165.99 Million | ▲ +39 days |
| 2021 | 1 days | $4.06 Million | $4.11 Million/day | $- | $140.00K | ▼ -38 days |
| 2020 | 39 days | $149.88 Million | $3.89 Million/day | $- | $144.23 Million | ▼ -12 days |
| 2019 | 51 days | $184.86 Million | $3.63 Million/day | $- | $180.12 Million | ▲ +2 days |
| 2018 | 49 days | $151.03 Million | $3.06 Million/day | $- | $146.72 Million | ▲ +6 days |
| 2017 | 43 days | $99.17 Million | $2.28 Million/day | $- | $95.88 Million | ▼ -6 days |
| 2016 | 49 days | $83.21 Million | $1.69 Million/day | $- | $81.14 Million | ▼ -14 days |
| 2015 | 63 days | $88.75 Million | $1.41 Million/day | $- | $87.16 Million | ▲ +17 days |
| 2014 | 46 days | $63.67 Million | $1.39 Million/day | $- | $62.19 Million | ▼ -14 days |
| 2013 | 60 days | $81.16 Million | $1.36 Million/day | $- | $79.69 Million | ▲ +6 days |
| 2012 | 53 days | $68.68 Million | $1.29 Million/day | $- | $67.11 Million | ▲ +16 days |
| 2011 | 37 days | $45.85 Million | $1.23 Million/day | $- | $44.34 Million | ▲ +4 days |
| 2010 | 33 days | $43.69 Million | $1.30 Million/day | $- | $41.71 Million | ▲ +29 days |
| 2009 | 4 days | $4.64 Million | $1.12 Million/day | $- | $2.46 Million | ▲ +2 days |
| 2008 | 3 days | $2.10 Million | $814.36K/day | $- | $371.00K | ▼ -1 days |
| 2007 | 3 days | $1.85 Million | $569.13K/day | $- | $371.00K | ▼ 0 days |
| 2006 | 4 days | $1.90 Million | $511.54K/day | $- | $959.00K | ▲ +0 days |
| 2005 | 4 days | $2.06 Million | $585.39K/day | $- | $1.44 Million | ▲ +2 days |
| 2004 | 1 days | $466.40K | $387.61K/day | $- | $- | ▼ 0 days |
| 2003 | 1 days | $397.06K | $314.97K/day | $- | $- | — |