ECB Bancorp Inc. (ECBK) — Defensive Interval Ratio
ECB Bancorp Inc. (ECBK) has a Defensive Interval Ratio of 394 days as of December 2025. Defensive assets of $88.02 Million (cash $-, short-term investments $82.80 Million, receivables $5.21 Million) cover 394 days of daily cash needs of $223.28K/day. Check ECBK tangible net worth ratio to evaluate the tangible quality of 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 394 days, meaning defensive assets of $88.02 Million can fund 394 days of operations without new revenue. Also explore ECBK net asset momentum to track the company's year-over-year net asset growth rate.
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 ECB Bancorp Inc. stock valuation.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 394 days | $88.02 Million | $223.28K/day | $- | $82.80 Million | ▲ +387 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 | — |