ECB Bancorp Inc. (ECBK) — Defensive Interval Ratio
ECB Bancorp Inc. (ECBK) has a Defensive Interval Ratio of 39 days as of June 2026. Defensive assets of $126.29 Million (cash $-, short-term investments $121.03 Million, receivables $5.27 Million) cover 39 days of daily cash needs of $3.27 Million/day.
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 June 2026, the ratio stands at 39 days, meaning defensive assets of $126.29 Million can fund 39 days of operations without new revenue. For the complete balance sheet picture, see ECBK total assets.
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. See ECB Bancorp 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 | 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 | — |