Hawthorn Bancshares Inc (HWBK) — Defensive Interval Ratio
Hawthorn Bancshares Inc (HWBK) has a Defensive Interval Ratio of 37 days as of December 2025. Defensive assets of $8.45 Million (cash $-, short-term investments $-, receivables $8.45 Million) cover 37 days of daily cash needs of $229.45K/day. Check tangible equity quality of Hawthorn Bancshares Inc to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Hawthorn Bancshares Inc Defensive Interval Ratio (1996–2025)
This chart shows how Hawthorn Bancshares Inc's Defensive Interval Ratio has evolved across 30 annual periods from 1996 to 2025. As of December 2025, the ratio stands at 37 days, meaning defensive assets of $8.45 Million can fund 37 days of operations without new revenue. Also explore HWBK net asset momentum to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for Hawthorn Bancshares Inc (1996–2025)
The table below presents the year-by-year Defensive Interval Ratio for Hawthorn Bancshares Inc from 1996 to 2025, covering 30 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 Hawthorn Bancshares Inc (HWBK) total market value.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 37 days | $8.45 Million | $229.45K/day | $- | $- | ▼ -15 days |
| 2024 | 52 days | $218.65 Million | $4.20 Million/day | $- | $218.65 Million | ▲ +6 days |
| 2023 | 46 days | $197.40 Million | $4.31 Million/day | $- | $188.74 Million | ▼ -12 days |
| 2022 | 58 days | $258.70 Million | $4.49 Million/day | $- | $250.75 Million | ▼ -18 days |
| 2021 | 75 days | $317.49 Million | $4.22 Million/day | $- | $310.87 Million | ▲ +23 days |
| 2020 | 52 days | $204.67 Million | $3.92 Million/day | $- | $198.03 Million | ▼ -2 days |
| 2019 | 55 days | $181.57 Million | $3.33 Million/day | $- | $175.09 Million | ▼ -12 days |
| 2018 | 67 days | $224.37 Million | $3.35 Million/day | $- | $218.21 Million | ▼ -8 days |
| 2017 | 75 days | $236.66 Million | $3.16 Million/day | $- | $231.03 Million | ▼ -2 days |
| 2016 | 77 days | $219.69 Million | $2.86 Million/day | $- | $214.51 Million | ▼ -10 days |
| 2015 | 87 days | $239.91 Million | $2.75 Million/day | $- | $235.05 Million | ▲ +12 days |
| 2014 | 75 days | $203.81 Million | $2.71 Million/day | $- | $199.00 Million | ▼ -3 days |
| 2013 | 78 days | $210.98 Million | $2.71 Million/day | $- | $205.99 Million | ▲ +4 days |
| 2012 | 74 days | $205.44 Million | $2.78 Million/day | $- | $200.25 Million | ▼ -7 days |
| 2011 | 81 days | $219.15 Million | $2.70 Million/day | $- | $213.81 Million | ▲ +79 days |
| 2010 | 2 days | $5.86 Million | $2.68 Million/day | $- | $126.00K | ▼ 0 days |
| 2009 | 2 days | $6.72 Million | $2.73 Million/day | $- | $90.00K | ▼ 0 days |
| 2008 | 3 days | $7.58 Million | $2.71 Million/day | $- | $105.00K | ▼ -1 days |
| 2007 | 4 days | $9.43 Million | $2.61 Million/day | $- | $664.00K | ▼ -4 days |
| 2006 | 7 days | $18.70 Million | $2.56 Million/day | $- | $9.92 Million | ▼ -1 days |
| 2005 | 8 days | $20.22 Million | $2.53 Million/day | $- | $12.45 Million | ▼ -14 days |
| 2004 | 22 days | $46.89 Million | $2.09 Million/day | $- | $41.60 Million | ▲ +5 days |
| 2003 | 17 days | $34.34 Million | $2.03 Million/day | $- | $29.23 Million | ▼ -13 days |
| 2002 | 30 days | $55.21 Million | $1.82 Million/day | $- | $49.67 Million | ▼ -4 days |
| 2001 | 34 days | $60.50 Million | $1.77 Million/day | $- | $54.48 Million | ▲ +16 days |
| 2000 | 19 days | $30.35 Million | $1.64 Million/day | $- | $23.55 Million | ▲ +15 days |
| 1999 | 4 days | $4.26 Million | $1.13 Million/day | $- | $- | ▲ +0 days |
| 1998 | 4 days | $3.79 Million | $1.03 Million/day | $- | $- | ▼ 0 days |
| 1997 | 4 days | $4.07 Million | $997.40K/day | $- | $- | ▲ +0 days |
| 1996 | 4 days | $2.54 Million | $627.56K/day | $- | $- | — |