Lake Shore Bancorp Inc Defensive Interval Ratio
Lake Shore Bancorp Inc defensive interval ratio. Lake Shore Bancorp Inc (LSBK) has a Defensive Interval Ratio of 33 days as of June 2026. Defensive assets of $52.43 Million (cash $-, short-term investments $49.47 Million, receivables $2.96 Million) cover 33 days of daily cash needs of $1.58 Million/day. See LSBK working capital efficiency to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Defensive Interval Ratio of Lake Shore Bancorp Inc (2003–2025)
Defensive interval ratio of Lake Shore Bancorp Inc from 2003 to 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 June 2026, the ratio stands at 33 days, meaning defensive assets of $52.43 Million can fund 33 days of operations without new revenue. Check Lake Shore Bancorp Inc (LSBK) asset resilience to evaluate the company's liquid asset resilience ratio.
Lake Shore Bancorp Inc Defensive Interval Ratio by Year (2003–2025)
Lake Shore Bancorp Inc defensive interval ratio by year from 2003 to 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 the complete balance sheet picture, see LSBK total asset value.
| 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 | — |