Lake Shore Bancorp Inc (LSBK) — Defensive Interval Ratio
Lake Shore Bancorp Inc (LSBK) has a Defensive Interval Ratio of 63356 days as of December 2025. Defensive assets of $55.55 Million (cash $-, short-term investments $52.54 Million, receivables $3.01 Million) cover 63356 days of daily cash needs of $876.71/day. Check tangible net worth ratio of Lake Shore Bancorp Inc to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Lake Shore Bancorp Inc Defensive Interval Ratio (2003–2025)
This chart shows how Lake Shore Bancorp Inc's Defensive Interval Ratio has evolved across 23 annual periods from 2003 to 2025. As of December 2025, the ratio stands at 63356 days, meaning defensive assets of $55.55 Million can fund 63356 days of operations without new revenue. Also explore LSBK net asset momentum to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for Lake Shore Bancorp Inc (2003–2025)
The table below presents the year-by-year Defensive Interval Ratio for Lake Shore Bancorp Inc from 2003 to 2025, covering 23 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 Lake Shore Bancorp Inc market cap and net worth.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 63356 days | $55.55 Million | $876.71/day | $- | $52.54 Million | ▲ +63318 days |
| 2024 | 38 days | $59.31 Million | $1.57 Million/day | $- | $56.49 Million | ▼ -1 days |
| 2023 | 39 days | $63.28 Million | $1.62 Million/day | $- | $60.44 Million | ▼ -8 days |
| 2022 | 48 days | $75.84 Million | $1.60 Million/day | $- | $73.05 Million | ▼ -9 days |
| 2021 | 56 days | $91.28 Million | $1.63 Million/day | $- | $88.80 Million | ▲ +3 days |
| 2020 | 54 days | $82.22 Million | $1.53 Million/day | $- | $79.23 Million | ▼ -46 days |
| 2019 | 100 days | $73.35 Million | $736.41K/day | $- | $71.20 Million | ▼ -37 days |
| 2018 | 137 days | $88.11 Million | $643.65K/day | $- | $86.19 Million | ▼ -6 days |
| 2017 | 142 days | $82.22 Million | $577.30K/day | $- | $80.42 Million | ▼ -25 days |
| 2016 | 168 days | $87.94 Million | $524.37K/day | $- | $86.33 Million | ▲ +57 days |
| 2015 | 111 days | $114.86 Million | $1.04 Million/day | $- | $113.21 Million | ▼ -18 days |
| 2014 | 129 days | $139.92 Million | $1.09 Million/day | $- | $138.20 Million | ▼ -17 days |
| 2013 | 146 days | $159.75 Million | $1.10 Million/day | $- | $157.96 Million | ▼ -5 days |
| 2012 | 151 days | $161.17 Million | $1.07 Million/day | $- | $159.37 Million | ▼ -6 days |
| 2011 | 157 days | $166.08 Million | $1.06 Million/day | $- | $164.16 Million | ▲ +7 days |
| 2010 | 149 days | $155.72 Million | $1.04 Million/day | $- | $153.92 Million | ▲ +148 days |
| 2009 | 2 days | $1.50 Million | $891.13K/day | $- | $-217.00K | ▼ -138 days |
| 2008 | 140 days | $114.59 Million | $818.49K/day | $- | $112.86 Million | ▼ -11 days |
| 2007 | 151 days | $107.42 Million | $710.50K/day | $- | $105.92 Million | ▼ -2 days |
| 2006 | 153 days | $109.42 Million | $712.99K/day | $- | $108.02 Million | ▲ +21 days |
| 2005 | 133 days | $95.36 Million | $718.07K/day | $- | $94.08 Million | ▲ +125 days |
| 2004 | 8 days | $5.57 Million | $699.39K/day | $- | $4.37 Million | ▼ -5 days |
| 2003 | 13 days | $8.77 Million | $663.82K/day | $- | $8.77 Million | — |