German American Bancorp Inc (GABC) — Defensive Interval Ratio
German American Bancorp Inc (GABC) has a Defensive Interval Ratio of 13784 days as of June 2026. Defensive assets of $1.21 Billion (cash $-, short-term investments $1.17 Billion, receivables $38.05 Million) cover 13784 days of daily cash needs of $87.92K/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
German American Bancorp Inc Defensive Interval Ratio (1992–2025)
This chart shows how German American Bancorp Inc's Defensive Interval Ratio has evolved across 34 annual periods from 1992 to 2025. As of June 2026, the ratio stands at 13784 days, meaning defensive assets of $1.21 Billion can fund 13784 days of operations without new revenue. For the complete balance sheet picture, see GABC total assets.
Annual Defensive Interval Ratio for German American Bancorp Inc (1992–2025)
The table below presents the year-by-year Defensive Interval Ratio for German American Bancorp Inc from 1992 to 2025, covering 34 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 how liquid is German American Bancorp Inc's working capital 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 | 62 days | $1.20 Billion | $19.27 Million/day | $- | $1.16 Billion | ▼ -9 days |
| 2024 | 72 days | $1.06 Billion | $14.76 Million/day | $- | $1.06 Billion | ▼ -38 days |
| 2023 | 110 days | $1.60 Billion | $14.57 Million/day | $- | $1.60 Billion | ▼ -16 days |
| 2022 | 125 days | $1.89 Billion | $15.05 Million/day | $- | $1.76 Billion | ▼ -20 days |
| 2021 | 145 days | $1.93 Billion | $13.30 Million/day | $- | $1.89 Billion | ▲ +36 days |
| 2020 | 109 days | $1.26 Billion | $11.54 Million/day | $- | $1.22 Billion | ▲ +19 days |
| 2019 | 90 days | $899.03 Million | $9.98 Million/day | $- | $854.83 Million | ▼ -2 days |
| 2018 | 93 days | $847.94 Million | $9.16 Million/day | $- | $812.61 Million | ▼ -14 days |
| 2017 | 107 days | $771.09 Million | $7.23 Million/day | $- | $740.64 Million | ▼ -1 days |
| 2016 | 107 days | $735.70 Million | $6.86 Million/day | $- | $709.79 Million | ▼ -12 days |
| 2015 | 119 days | $659.82 Million | $5.55 Million/day | $- | $637.84 Million | ▼ -4 days |
| 2014 | 123 days | $653.03 Million | $5.33 Million/day | $- | $631.00 Million | ▲ +2 days |
| 2013 | 121 days | $620.76 Million | $5.14 Million/day | $- | $606.03 Million | ▼ -16 days |
| 2012 | 137 days | $649.85 Million | $4.74 Million/day | $- | $587.60 Million | ▲ +6 days |
| 2011 | 131 days | $577.96 Million | $4.43 Million/day | $- | $516.84 Million | ▲ +123 days |
| 2010 | 7 days | $22.19 Million | $3.02 Million/day | $- | $4.25 Million | ▼ -4 days |
| 2009 | 11 days | $29.27 Million | $2.69 Million/day | $- | $12.00 Million | ▼ -4 days |
| 2008 | 15 days | $39.48 Million | $2.61 Million/day | $- | $27.79 Million | ▲ +8 days |
| 2007 | 7 days | $17.15 Million | $2.44 Million/day | $- | $2.63 Million | ▼ -2 days |
| 2006 | 9 days | $22.18 Million | $2.41 Million/day | $- | $5.74 Million | ▼ -3 days |
| 2005 | 12 days | $24.30 Million | $2.08 Million/day | $- | $5.29 Million | ▼ -9 days |
| 2004 | 21 days | $42.98 Million | $2.09 Million/day | $- | $24.35 Million | ▲ +10 days |
| 2003 | 10 days | $21.26 Million | $2.10 Million/day | $- | $3.80 Million | ▼ -3 days |
| 2002 | 13 days | $30.63 Million | $2.34 Million/day | $- | $8.12 Million | ▼ -25 days |
| 2001 | 39 days | $96.54 Million | $2.50 Million/day | $- | $62.53 Million | ▲ +27 days |
| 2000 | 11 days | $29.95 Million | $2.69 Million/day | $- | $2.96 Million | ▲ +1 days |
| 1999 | 11 days | $28.00 Million | $2.64 Million/day | $- | $- | ▼ -3 days |
| 1998 | 14 days | $25.30 Million | $1.87 Million/day | $- | $- | ▲ +5 days |
| 1997 | 8 days | $11.80 Million | $1.41 Million/day | $- | $- | ▲ +1 days |
| 1996 | 7 days | $6.80 Million | $981.37K/day | $- | $- | ▼ -1 days |
| 1995 | 8 days | $6.90 Million | $906.30K/day | $- | $- | ▲ +1 days |
| 1994 | 7 days | $6.00 Million | $858.90K/day | $- | $- | ▲ +0 days |
| 1993 | 7 days | $5.10 Million | $762.47K/day | $- | $- | ▲ +1 days |
| 1992 | 6 days | $3.50 Million | $595.89K/day | $- | $- | — |