ECB Bancorp Inc. (ECBK) — Defensive Interval Ratio
ECB Bancorp Inc. (ECBK) has a Defensive Interval Ratio of 5 days as of December 2025. Defensive assets of $14.10 Million (cash $-, short-term investments $8.88 Million, receivables $5.21 Million) cover 5 days of daily cash needs of $3.10 Million/day. See ECBK 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
ECB Bancorp Inc. Defensive Interval Ratio (2020–2025)
This chart shows how ECB Bancorp Inc.'s Defensive Interval Ratio has evolved across 6 annual periods from 2020 to 2025. As of December 2025, the ratio stands at 5 days, meaning defensive assets of $14.10 Million can fund 5 days of operations without new revenue. See ECBK net asset quality score to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for ECB Bancorp Inc. (2020–2025)
The table below presents the year-by-year Defensive Interval Ratio for ECB Bancorp Inc. from 2020 to 2025, covering 6 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 live market cap and the full company financial profile, see market cap of ECB Bancorp Inc..
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 5 days | $14.10 Million | $3.10 Million/day | $- | $8.88 Million | ▼ -2 days |
| 2024 | 7 days | $18.58 Million | $2.74 Million/day | $- | $14.57 Million | ▲ +3 days |
| 2023 | 4 days | $8.77 Million | $2.38 Million/day | $- | $5.00 Million | ▼ 0 days |
| 2022 | 4 days | $7.63 Million | $1.97 Million/day | $- | $5.00 Million | ▼ 0 days |
| 2021 | 4 days | $6.49 Million | $1.57 Million/day | $- | $5.01 Million | ▼ -1 days |
| 2020 | 5 days | $6.86 Million | $1.35 Million/day | $- | $5.04 Million | — |