First Citizens BancShares, Inc. (FCNCA) — Defensive Interval Ratio
First Citizens BancShares, Inc. (FCNCA) has a Defensive Interval Ratio of 63412 days as of June 2026. Defensive assets of $26.41 Billion (cash $-, short-term investments $25.46 Billion, receivables $943.00 Million) cover 63412 days of daily cash needs of $416.44K/day.
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 June 2026, the ratio stands at 63412 days, meaning defensive assets of $26.41 Billion can fund 63412 days of operations without new revenue. For the complete balance sheet picture, see how large is First Citizens BancShares, Inc.'s balance sheet.
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. See working capital to net assets of First Citizens BancShares, Inc. 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 | 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 | — |