Isabella Bank Corporation (ISBA) — Defensive Interval Ratio
Isabella Bank Corporation (ISBA) has a Defensive Interval Ratio of 80 days as of March 2026. Defensive assets of $430.76 Million (cash $-, short-term investments $430.76 Million, receivables $-) cover 80 days of daily cash needs of $5.41 Million/day. See how liquid is Isabella Bank Corporation's working capital to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Isabella Bank Corporation Defensive Interval Ratio (1995–2025)
This chart shows how Isabella Bank Corporation's Defensive Interval Ratio has evolved across 31 annual periods from 1995 to 2025. As of March 2026, the ratio stands at 80 days, meaning defensive assets of $430.76 Million can fund 80 days of operations without new revenue. See net asset quality index of Isabella Bank Corporation to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Isabella Bank Corporation (1995–2025)
The table below presents the year-by-year Defensive Interval Ratio for Isabella Bank Corporation from 1995 to 2025, covering 31 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 Isabella Bank Corporation stock valuation.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 39 days | $200.81 Million | $5.17 Million/day | $- | $200.81 Million | ▼ -7 days |
| 2024 | 46 days | $228.49 Million | $4.93 Million/day | $- | $228.49 Million | ▼ -70 days |
| 2023 | 116 days | $563.28 Million | $4.85 Million/day | $- | $528.15 Million | ▼ -7 days |
| 2022 | 124 days | $614.07 Million | $4.97 Million/day | $- | $580.48 Million | ▲ +18 days |
| 2021 | 105 days | $510.58 Million | $4.85 Million/day | $- | $490.60 Million | ▲ +25 days |
| 2020 | 80 days | $360.28 Million | $4.52 Million/day | $- | $339.23 Million | ▼ -38 days |
| 2019 | 117 days | $436.34 Million | $3.72 Million/day | $- | $429.84 Million | ▼ -19 days |
| 2018 | 136 days | $501.76 Million | $3.69 Million/day | $- | $494.83 Million | ▼ -17 days |
| 2017 | 153 days | $559.37 Million | $3.66 Million/day | $- | $552.31 Million | ▼ -8 days |
| 2016 | 160 days | $564.68 Million | $3.52 Million/day | $- | $558.10 Million | ▼ -33 days |
| 2015 | 193 days | $666.40 Million | $3.45 Million/day | $- | $660.14 Million | ▲ +18 days |
| 2014 | 175 days | $573.38 Million | $3.27 Million/day | $- | $567.53 Million | ▲ +15 days |
| 2013 | 160 days | $517.50 Million | $3.23 Million/day | $- | $512.06 Million | ▼ -6 days |
| 2012 | 166 days | $509.24 Million | $3.07 Million/day | $- | $504.01 Million | ▲ +15 days |
| 2011 | 151 days | $430.97 Million | $2.85 Million/day | $- | $425.12 Million | ▲ +142 days |
| 2010 | 9 days | $22.39 Million | $2.43 Million/day | $- | $16.94 Million | ▲ +3 days |
| 2009 | 6 days | $12.99 Million | $2.22 Million/day | $- | $7.16 Million | ▲ +3 days |
| 2008 | 3 days | $6.32 Million | $2.14 Million/day | $- | $- | ▲ +0 days |
| 2007 | 3 days | $5.95 Million | $2.03 Million/day | $- | $- | ▲ +0 days |
| 2006 | 3 days | $5.76 Million | $2.01 Million/day | $- | $- | ▼ 0 days |
| 2005 | 3 days | $4.79 Million | $1.64 Million/day | $- | $- | ▲ +0 days |
| 2004 | 3 days | $4.32 Million | $1.57 Million/day | $- | $- | ▼ 0 days |
| 2003 | 3 days | $4.53 Million | $1.58 Million/day | $- | $- | ▼ 0 days |
| 2002 | 3 days | $4.90 Million | $1.57 Million/day | $- | $- | ▼ 0 days |
| 2001 | 3 days | $4.96 Million | $1.43 Million/day | $- | $- | ▼ 0 days |
| 2000 | 4 days | $5.05 Million | $1.32 Million/day | $- | $- | ▲ +0 days |
| 1999 | 3 days | $4.31 Million | $1.25 Million/day | $- | $- | ▲ +1 days |
| 1998 | 3 days | $2.57 Million | $970.58K/day | $- | $- | ▲ +0 days |
| 1997 | 3 days | $2.00 Million | $788.42K/day | $- | $- | ▼ 0 days |
| 1996 | 3 days | $2.06 Million | $741.76K/day | $- | $- | ▼ 0 days |
| 1995 | 3 days | $2.08 Million | $700.55K/day | $- | $- | — |