LCNB Corporation (LCNB) — Defensive Interval Ratio
LCNB Corporation (LCNB) has a Defensive Interval Ratio of 45 days as of June 2026. Defensive assets of $223.53 Million (cash $-, short-term investments $215.77 Million, receivables $7.76 Million) cover 45 days of daily cash needs of $4.98 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
LCNB Corporation Defensive Interval Ratio (1999–2025)
This chart shows how LCNB Corporation's Defensive Interval Ratio has evolved across 26 annual periods from 1999 to 2025. As of June 2026, the ratio stands at 45 days, meaning defensive assets of $223.53 Million can fund 45 days of operations without new revenue. For the complete balance sheet picture, see LCNB Corporation balance sheet assets.
Annual Defensive Interval Ratio for LCNB Corporation (1999–2025)
The table below presents the year-by-year Defensive Interval Ratio for LCNB Corporation from 1999 to 2025, covering 26 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 LCNB Corporation'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 | 188 days | $240.24 Million | $1.28 Million/day | $- | $232.27 Million | ▲ +167 days |
| 2024 | 21 days | $107.56 Million | $5.15 Million/day | $- | $98.86 Million | ▼ -33 days |
| 2023 | 54 days | $285.01 Million | $5.27 Million/day | $- | $276.60 Million | ▼ -10 days |
| 2022 | 64 days | $297.33 Million | $4.64 Million/day | $- | $289.85 Million | ▼ -6 days |
| 2021 | 70 days | $316.18 Million | $4.52 Million/day | $- | $308.18 Million | ▲ +16 days |
| 2020 | 54 days | $217.81 Million | $4.05 Million/day | $- | $209.47 Million | ▲ +6 days |
| 2019 | 48 days | $181.93 Million | $3.78 Million/day | $- | $178.00 Million | ▼ -15 days |
| 2018 | 63 days | $238.42 Million | $3.79 Million/day | $- | $238.42 Million | ▼ -24 days |
| 2017 | 87 days | $275.21 Million | $3.17 Million/day | $- | $275.21 Million | ▼ -13 days |
| 2016 | 100 days | $320.66 Million | $3.22 Million/day | $- | $320.66 Million | ▼ -21 days |
| 2015 | 121 days | $377.98 Million | $3.14 Million/day | $- | $377.98 Million | ▲ +14 days |
| 2014 | 106 days | $285.37 Million | $2.68 Million/day | $- | $285.37 Million | ▼ -10 days |
| 2013 | 117 days | $258.24 Million | $2.21 Million/day | $- | $258.24 Million | ▼ -18 days |
| 2012 | 135 days | $258.51 Million | $1.92 Million/day | $- | $258.51 Million | ▲ +2 days |
| 2011 | 133 days | $254.01 Million | $1.92 Million/day | $- | $254.01 Million | ▲ +132 days |
| 2010 | 0 days | $182.00K | $1.83 Million/day | $- | $182.00K | ▼ -84 days |
| 2008 | 84 days | $136.24 Million | $1.63 Million/day | $- | $136.24 Million | ▲ +25 days |
| 2007 | 59 days | $87.42 Million | $1.49 Million/day | $- | $87.42 Million | ▼ -23 days |
| 2006 | 82 days | $111.14 Million | $1.36 Million/day | $- | $111.14 Million | ▲ +80 days |
| 2005 | 1 days | $1.91 Million | $1.33 Million/day | $- | $1.91 Million | ▼ -24 days |
| 2004 | 25 days | $32.40 Million | $1.28 Million/day | $- | $32.40 Million | ▲ +8 days |
| 2003 | 18 days | $22.62 Million | $1.28 Million/day | $- | $22.62 Million | ▲ +8 days |
| 2002 | 10 days | $11.93 Million | $1.23 Million/day | $- | $11.93 Million | ▼ -10 days |
| 2001 | 20 days | $23.00 Million | $1.15 Million/day | $- | $19.95 Million | ▲ +17 days |
| 2000 | 3 days | $3.14 Million | $1.09 Million/day | $- | $- | ▼ -98 days |
| 1999 | 101 days | $108.27 Million | $1.07 Million/day | $- | $104.91 Million | — |