Dime Community Bancshares, Inc. (DCOM) — Defensive Interval Ratio
Dime Community Bancshares, Inc. (DCOM) has a Defensive Interval Ratio of 24 days as of December 2025. Defensive assets of $853.51 Million (cash $-, short-term investments $797.93 Million, receivables $55.57 Million) cover 24 days of daily cash needs of $35.18 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Dime Community Bancshares, Inc. Defensive Interval Ratio (1997–2025)
This chart shows how Dime Community Bancshares, Inc.'s Defensive Interval Ratio has evolved across 28 annual periods from 1997 to 2025. As of December 2025, the ratio stands at 24 days, meaning defensive assets of $853.51 Million can fund 24 days of operations without new revenue. For the complete balance sheet picture, see DCOM asset base.
Annual Defensive Interval Ratio for Dime Community Bancshares, Inc. (1997–2025)
The table below presents the year-by-year Defensive Interval Ratio for Dime Community Bancshares, Inc. from 1997 to 2025, covering 28 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 Dime Community Bancshares, Inc. working capital to net assets 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) |
|---|---|---|---|---|---|---|
| 2025 | 24 days | $853.51 Million | $35.18 Million/day | $- | $797.93 Million | ▲ +22 days |
| 2024 | 2 days | $62.57 Million | $32.15 Million/day | $- | $6.60 Million | ▼ -31 days |
| 2023 | 33 days | $941.91 Million | $28.85 Million/day | $- | $886.24 Million | ▼ -3 days |
| 2022 | 36 days | $999.15 Million | $28.10 Million/day | $- | $950.59 Million | ▼ -20 days |
| 2021 | 56 days | $1.60 Billion | $28.66 Million/day | $- | $1.56 Billion | ▲ +10 days |
| 2020 | 46 days | $573.68 Million | $12.40 Million/day | $- | $538.86 Million | ▼ -2 days |
| 2019 | 48 days | $561.90 Million | $11.73 Million/day | $- | $551.00 Million | ▲ +6 days |
| 2018 | 42 days | $502.88 Million | $11.94 Million/day | $- | $502.88 Million | ▲ +12 days |
| 2017 | 30 days | $367.04 Million | $12.06 Million/day | $- | $355.39 Million | ▲ +30 days |
| 2016 | 1 days | $7.45 Million | $12.04 Million/day | $- | $7.45 Million | ▼ -1 days |
| 2015 | 2 days | $13.46 Million | $8.72 Million/day | $- | $4.19 Million | ▼ -3 days |
| 2014 | 5 days | $36.64 Million | $7.29 Million/day | $- | $30.21 Million | ▼ -3 days |
| 2013 | 8 days | $55.84 Million | $6.87 Million/day | $- | $50.19 Million | ▼ -5 days |
| 2012 | 13 days | $87.41 Million | $6.79 Million/day | $- | $81.97 Million | ▼ -26 days |
| 2011 | 39 days | $273.69 Million | $6.96 Million/day | $- | $268.75 Million | ▼ -6 days |
| 2010 | 46 days | $327.69 Million | $7.16 Million/day | $- | $323.54 Million | ▲ +1 days |
| 2009 | 45 days | $309.79 Million | $6.88 Million/day | $- | $306.11 Million | ▲ +1 days |
| 2008 | 44 days | $314.32 Million | $7.18 Million/day | $- | $310.69 Million | ▲ +15 days |
| 2007 | 29 days | $190.09 Million | $6.54 Million/day | $- | $187.38 Million | ▼ -5 days |
| 2006 | 34 days | $205.28 Million | $5.96 Million/day | $- | $202.59 Million | ▲ +3 days |
| 2005 | 31 days | $185.43 Million | $5.94 Million/day | $- | $182.80 Million | ▲ +1 days |
| 2004 | 30 days | $204.51 Million | $6.75 Million/day | $- | $202.04 Million | ▲ +14 days |
| 2003 | 17 days | $95.29 Million | $5.74 Million/day | $- | $95.29 Million | ▲ +11 days |
| 2001 | 5 days | $36.62 Million | $6.85 Million/day | $- | $36.62 Million | ▼ 0 days |
| 2000 | 5 days | $36.62 Million | $6.68 Million/day | $- | $36.62 Million | ▲ +3 days |
| 1999 | 2 days | $9.45 Million | $4.69 Million/day | $- | $9.45 Million | ▼ -2 days |
| 1998 | 4 days | $18.00 Million | $4.84 Million/day | $- | $- | ▼ -1 days |
| 1997 | 5 days | $18.00 Million | $3.59 Million/day | $- | $- | — |