Isabella Bank Corporation (ISBA) — Defensive Interval Ratio
Isabella Bank Corporation (ISBA) has a Defensive Interval Ratio of 1382 days as of June 2026. Defensive assets of $439.29 Million (cash $-, short-term investments $439.29 Million, receivables $-) cover 1382 days of daily cash needs of $317.84K/day.
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 June 2026, the ratio stands at 1382 days, meaning defensive assets of $439.29 Million can fund 1382 days of operations without new revenue. For the complete balance sheet picture, see total assets of Isabella Bank Corporation.
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. See Isabella Bank Corporation short-term liquidity ratio 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 | 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 | $- | $- | — |