Middlefield Banc (MBCN) — Defensive Interval Ratio
Middlefield Banc (MBCN) has a Defensive Interval Ratio of 691 days as of September 2025. Defensive assets of $155.85 Million (cash $-, short-term investments $155.85 Million, receivables $-) cover 691 days of daily cash needs of $225.50K/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Middlefield Banc Defensive Interval Ratio (2005–2024)
This chart shows how Middlefield Banc's Defensive Interval Ratio has evolved across 20 annual periods from 2005 to 2024. As of September 2025, the ratio stands at 691 days, meaning defensive assets of $155.85 Million can fund 691 days of operations without new revenue. For the complete balance sheet picture, see balance sheet size of Middlefield Banc.
Annual Defensive Interval Ratio for Middlefield Banc (2005–2024)
The table below presents the year-by-year Defensive Interval Ratio for Middlefield Banc from 2005 to 2024, covering 20 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 working capital to net assets of Middlefield Banc 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) |
|---|---|---|---|---|---|---|
| 2024 | 39 days | $172.89 Million | $4.43 Million/day | $- | $165.80 Million | ▼ -2 days |
| 2023 | 41 days | $177.87 Million | $4.38 Million/day | $- | $170.78 Million | ▼ -2 days |
| 2022 | 42 days | $170.87 Million | $4.04 Million/day | $- | $164.97 Million | ▼ -10890 days |
| 2021 | 10932 days | $184.50 Million | $16.88K/day | $- | $170.20 Million | ▲ +3055 days |
| 2020 | 7877 days | $128.00 Million | $16.25K/day | $- | $114.36 Million | ▲ +7838 days |
| 2019 | 39 days | $109.20 Million | $2.82 Million/day | $- | $105.73 Million | ▲ +5 days |
| 2018 | 34 days | $101.95 Million | $3.04 Million/day | $- | $98.32 Million | ▼ -4 days |
| 2017 | 38 days | $98.57 Million | $2.62 Million/day | $- | $95.28 Million | ▼ -23 days |
| 2016 | 61 days | $116.80 Million | $1.92 Million/day | $- | $114.38 Million | ▼ -21 days |
| 2015 | 82 days | $148.91 Million | $1.81 Million/day | $- | $146.52 Million | ▼ -13 days |
| 2014 | 95 days | $156.43 Million | $1.65 Million/day | $- | $154.33 Million | ▼ -5 days |
| 2013 | 100 days | $159.28 Million | $1.59 Million/day | $- | $157.14 Million | ▼ -23 days |
| 2012 | 123 days | $202.33 Million | $1.64 Million/day | $- | $194.47 Million | ▼ -3 days |
| 2011 | 126 days | $203.78 Million | $1.62 Million/day | $- | $193.98 Million | ▲ +105 days |
| 2010 | 21 days | $32.96 Million | $1.57 Million/day | $- | $20.16 Million | ▼ -8 days |
| 2009 | 29 days | $39.72 Million | $1.36 Million/day | $- | $28.24 Million | ▼ -95391 days |
| 2008 | 95420 days | $104.28 Billion | $1.09 Million/day | $- | $104.27 Billion | ▲ +95405 days |
| 2007 | 14 days | $14.52 Million | $1.01 Million/day | $- | $8.74 Million | ▲ +5 days |
| 2006 | 9 days | $6.75 Million | $751.44K/day | $- | $6.75 Million | ▲ +8 days |
| 2005 | 1 days | $526.00K | $705.06K/day | $- | $526.00K | — |