First Internet Bancorp (INBK) — Defensive Interval Ratio
First Internet Bancorp (INBK) has a Defensive Interval Ratio of 49 days as of December 2025. Defensive assets of $643.40 Million (cash $-, short-term investments $615.50 Million, receivables $27.91 Million) cover 49 days of daily cash needs of $13.26 Million/day. Check INBK tangible net worth ratio to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
First Internet Bancorp Defensive Interval Ratio (2005–2025)
This chart shows how First Internet Bancorp's Defensive Interval Ratio has evolved across 21 annual periods from 2005 to 2025. As of December 2025, the ratio stands at 49 days, meaning defensive assets of $643.40 Million can fund 49 days of operations without new revenue. Also explore First Internet Bancorp (INBK) equity growth momentum to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for First Internet Bancorp (2005–2025)
The table below presents the year-by-year Defensive Interval Ratio for First Internet Bancorp from 2005 to 2025, covering 21 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 market cap of First Internet Bancorp.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 49 days | $643.40 Million | $13.26 Million/day | $- | $615.50 Million | ▼ -54 days |
| 2024 | 103 days | $1.39 Billion | $13.52 Million/day | $- | $413.30 Million | ▼ -26 days |
| 2023 | 128 days | $1.43 Billion | $11.15 Million/day | $- | $474.86 Million | ▼ -13 days |
| 2022 | 141 days | $1.34 Billion | $9.48 Million/day | $- | $390.38 Million | ▼ -27 days |
| 2021 | 169 days | $1.48 Billion | $8.80 Million/day | $- | $603.04 Million | ▲ +8 days |
| 2020 | 161 days | $1.47 Billion | $9.10 Million/day | $- | $497.63 Million | ▼ -16 days |
| 2019 | 177 days | $1.56 Billion | $8.80 Million/day | $- | $540.85 Million | ▼ -15 days |
| 2018 | 192 days | $1.42 Billion | $7.38 Million/day | $- | $481.35 Million | ▼ -32 days |
| 2017 | 224 days | $1.29 Billion | $5.74 Million/day | $- | $473.27 Million | ▼ -41 days |
| 2016 | 265 days | $1.07 Billion | $4.04 Million/day | $- | $456.70 Million | ▼ -1862227 days |
| 2015 | 1862492 days | $597.02 Million | $320.55/day | $- | $213.70 Million | ▲ +592089 days |
| 2014 | 1270403 days | $337.61 Million | $265.75/day | $- | $137.52 Million | ▲ +1270304 days |
| 2013 | 99 days | $184.31 Million | $1.85 Million/day | $- | $181.41 Million | ▼ -9 days |
| 2012 | 109 days | $158.89 Million | $1.46 Million/day | $- | $156.69 Million | ▼ -5 days |
| 2011 | 113 days | $151.40 Million | $1.34 Million/day | $- | $149.27 Million | ▲ +86 days |
| 2010 | 28 days | $32.16 Million | $1.16 Million/day | $- | $30.06 Million | ▲ +26 days |
| 2009 | 2 days | $2.26 Million | $1.13 Million/day | $- | $- | ▼ 0 days |
| 2008 | 2 days | $2.77 Million | $1.21 Million/day | $- | $- | ▲ +0 days |
| 2007 | 2 days | $2.78 Million | $1.27 Million/day | $- | $- | ▲ +0 days |
| 2006 | 2 days | $2.29 Million | $1.05 Million/day | $- | $- | ▼ 0 days |
| 2005 | 2 days | $1.96 Million | $901.75K/day | $- | $- | — |