Eagle Bancorp Montana Inc (EBMT) — Defensive Interval Ratio
Eagle Bancorp Montana Inc (EBMT) has a Defensive Interval Ratio of 239 days as of December 2025. Defensive assets of $296.14 Million (cash $-, short-term investments $281.69 Million, receivables $14.45 Million) cover 239 days of daily cash needs of $1.24 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Eagle Bancorp Montana Inc Defensive Interval Ratio (2007–2025)
This chart shows how Eagle Bancorp Montana Inc's Defensive Interval Ratio has evolved across 18 annual periods from 2007 to 2025. As of December 2025, the ratio stands at 239 days, meaning defensive assets of $296.14 Million can fund 239 days of operations without new revenue. For the complete balance sheet picture, see Eagle Bancorp Montana Inc assets under control.
Annual Defensive Interval Ratio for Eagle Bancorp Montana Inc (2007–2025)
The table below presents the year-by-year Defensive Interval Ratio for Eagle Bancorp Montana Inc from 2007 to 2025, covering 18 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 Eagle Bancorp Montana Inc current assets vs equity 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 | 239 days | $296.14 Million | $1.24 Million/day | $- | $281.69 Million | ▲ +210 days |
| 2024 | 29 days | $132.27 Million | $4.61 Million/day | $- | $119.38 Million | ▼ -45 days |
| 2023 | 74 days | $330.76 Million | $4.48 Million/day | $- | $318.28 Million | ▼ -22 days |
| 2022 | 95 days | $360.78 Million | $3.78 Million/day | $- | $349.50 Million | ▼ -21 days |
| 2021 | 117 days | $277.01 Million | $2.37 Million/day | $- | $271.26 Million | ▲ +59 days |
| 2020 | 58 days | $168.71 Million | $2.90 Million/day | $- | $162.95 Million | ▼ 0 days |
| 2019 | 59 days | $131.45 Million | $2.24 Million/day | $- | $126.88 Million | ▼ -26 days |
| 2018 | 84 days | $145.64 Million | $1.73 Million/day | $- | $142.16 Million | ▼ -9 days |
| 2017 | 94 days | $134.60 Million | $1.44 Million/day | $- | $132.04 Million | ▲ +1 days |
| 2016 | 92 days | $130.56 Million | $1.42 Million/day | $- | $128.44 Million | ▼ -20473 days |
| 2015 | 20566 days | $148.02 Million | $7.20K/day | $- | $145.74 Million | ▼ -9304 days |
| 2014 | 29869 days | $191.98 Million | $6.43K/day | $- | $189.55 Million | ▲ +29704 days |
| 2013 | 165 days | $197.40 Million | $1.19 Million/day | $- | $195.01 Million | ▼ -15 days |
| 2012 | 180 days | $207.51 Million | $1.15 Million/day | $- | $205.56 Million | ▲ +30 days |
| 2011 | 151 days | $90.76 Million | $602.00K/day | $- | $89.28 Million | ▲ +16 days |
| 2010 | 134 days | $98.64 Million | $734.52K/day | $- | $97.08 Million | ▲ +131 days |
| 2009 | 4 days | $2.58 Million | $734.52K/day | $- | $966.00K | ▲ +2 days |
| 2007 | 1 days | $549.00K | $520.72K/day | $- | $549.00K | — |