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. For the complete balance sheet picture, see Citizens Community Bancorp Inc balance sheet assets.
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. Check CZWI asset resilience ratio to evaluate the company's liquid asset resilience ratio.
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.
| 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 | $- | $- | — |