First Citizens BancShares, Inc. (FCNCA) — Defensive Interval Ratio
First Citizens BancShares, Inc. (FCNCA) has a Defensive Interval Ratio of 1 days as of March 2026. Defensive assets of $353.00 Million (cash $-, short-term investments $353.00 Million, receivables $-) cover 1 days of daily cash needs of $472.04 Million/day. See FCNCA 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
First Citizens BancShares, Inc. Defensive Interval Ratio (1990–2025)
This chart shows how First Citizens BancShares, Inc.'s Defensive Interval Ratio has evolved across 36 annual periods from 1990 to 2025. As of March 2026, the ratio stands at 1 days, meaning defensive assets of $353.00 Million can fund 1 days of operations without new revenue. See FCNCA equity financing ratio to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for First Citizens BancShares, Inc. (1990–2025)
The table below presents the year-by-year Defensive Interval Ratio for First Citizens BancShares, Inc. from 1990 to 2025, covering 36 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 First Citizens BancShares, Inc. stock valuation.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 328 days | $146.60 Billion | $446.44 Million/day | $- | $232.00 Million | ▲ +241 days |
| 2024 | 88 days | $37.40 Billion | $426.66 Million/day | $- | $33.91 Billion | ▲ +30 days |
| 2023 | 58 days | $23.14 Billion | $402.39 Million/day | $- | $19.94 Billion | ▼ -1163 days |
| 2022 | 1221 days | $11.87 Billion | $9.72 Million/day | $- | $8.99 Billion | ▲ +1026 days |
| 2021 | 195 days | $18.45 Billion | $94.84 Million/day | $- | $18.32 Billion | ▲ +135 days |
| 2020 | 60 days | $4.49 Billion | $74.87 Million/day | $- | $4.35 Billion | ▲ +41 days |
| 2019 | 19 days | $1.23 Billion | $63.32 Million/day | $- | $1.11 Billion | ▼ -44 days |
| 2018 | 64 days | $5.46 Billion | $85.60 Million/day | $- | $5.35 Billion | ▼ -42 days |
| 2017 | 106 days | $8.66 Billion | $82.04 Million/day | $- | $8.57 Billion | ▼ -8 days |
| 2016 | 114 days | $8.96 Billion | $78.81 Million/day | $- | $8.88 Billion | ▼ -467 days |
| 2015 | 581 days | $2.07 Billion | $3.56 Million/day | $- | $2.06 Billion | ▲ +457 days |
| 2014 | 123 days | $8.95 Billion | $72.51 Million/day | $- | $8.90 Billion | ▼ -1 days |
| 2013 | 125 days | $6.30 Billion | $50.37 Million/day | $- | $6.25 Billion | ▲ +13 days |
| 2012 | 112 days | $5.72 Billion | $51.11 Million/day | $- | $5.67 Billion | ▲ +21 days |
| 2011 | 91 days | $4.53 Billion | $49.84 Million/day | $- | $4.49 Billion | ▲ +69 days |
| 2010 | 22 days | $1.11 Billion | $49.81 Million/day | $- | $398.39 Million | ▼ -50 days |
| 2009 | 73 days | $3.18 Billion | $43.78 Million/day | $- | $2.93 Billion | ▲ +68 days |
| 2008 | 4 days | $174.62 Million | $39.34 Million/day | $- | $174.62 Million | ▼ -2 days |
| 2007 | 7 days | $266.21 Million | $39.00 Million/day | $- | $266.21 Million | ▼ -2 days |
| 2006 | 9 days | $348.60 Million | $38.07 Million/day | $- | $348.60 Million | ▼ -4 days |
| 2005 | 14 days | $481.01 Million | $35.49 Million/day | $- | $481.01 Million | ▲ +2 days |
| 2004 | 12 days | $383.74 Million | $32.32 Million/day | $- | $383.74 Million | ▲ +2 days |
| 2003 | 10 days | $294.40 Million | $30.52 Million/day | $- | $294.40 Million | ▼ -11 days |
| 2002 | 21 days | $623.57 Million | $29.87 Million/day | $- | $623.57 Million | ▲ +4 days |
| 2001 | 17 days | $501.91 Million | $28.97 Million/day | $- | $501.91 Million | ▲ +1 days |
| 2000 | 16 days | $431.38 Million | $26.31 Million/day | $- | $431.38 Million | ▼ -3 days |
| 1999 | 20 days | $473.40 Million | $23.95 Million/day | $- | $473.40 Million | ▲ +10 days |
| 1998 | 10 days | $232.70 Million | $23.78 Million/day | $- | $232.70 Million | ▲ +6 days |
| 1997 | 4 days | $81.80 Million | $22.39 Million/day | $- | $81.80 Million | ▼ -4 days |
| 1996 | 8 days | $156.00 Million | $20.13 Million/day | $- | $156.00 Million | ▲ +6 days |
| 1995 | 2 days | $40.40 Million | $18.53 Million/day | $- | $40.40 Million | ▲ +2 days |
| 1994 | 0 days | $6.80 Million | $15.91 Million/day | $- | $6.80 Million | ▼ -1 days |
| 1993 | 1 days | $20.00 Million | $15.33 Million/day | $- | $20.00 Million | ▼ -7 days |
| 1992 | 8 days | $110.00 Million | $13.72 Million/day | $- | $110.00 Million | ▲ +8 days |
| 1991 | 0 days | $1.90 Million | $13.96 Million/day | $- | $1.90 Million | ▼ -9 days |
| 1990 | 9 days | $111.00 Million | $12.23 Million/day | $- | $111.00 Million | — |