MetroCity Bankshares (MCBS) — Defensive Interval Ratio
MetroCity Bankshares (MCBS) has a Defensive Interval Ratio of 5858 days as of March 2026. Defensive assets of $46.91 Million (cash $-, short-term investments $26.62 Million, receivables $20.30 Million) cover 5858 days of daily cash needs of $8.01K/day. See MCBS 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
MetroCity Bankshares Defensive Interval Ratio (2014–2025)
This chart shows how MetroCity Bankshares's Defensive Interval Ratio has evolved across 12 annual periods from 2014 to 2025. As of March 2026, the ratio stands at 5858 days, meaning defensive assets of $46.91 Million can fund 5858 days of operations without new revenue. See MCBS net asset quality score to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for MetroCity Bankshares (2014–2025)
The table below presents the year-by-year Defensive Interval Ratio for MetroCity Bankshares from 2014 to 2025, covering 12 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 MCBS market cap overview.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 1609 days | $67.48 Million | $41.93K/day | $- | $47.18 Million | ▲ +1605 days |
| 2024 | 4 days | $33.25 Million | $7.51 Million/day | $- | $17.39 Million | ▼ 0 days |
| 2023 | 4 days | $33.62 Million | $7.50 Million/day | $- | $18.49 Million | ▲ +0 days |
| 2022 | 4 days | $32.42 Million | $7.31 Million/day | $- | $19.25 Million | ▼ -2 days |
| 2021 | 6 days | $36.78 Million | $6.20 Million/day | $- | $25.73 Million | ▼ -1 days |
| 2020 | 7 days | $28.79 Million | $4.14 Million/day | $- | $18.12 Million | ▲ +1 days |
| 2019 | 6 days | $20.80 Million | $3.58 Million/day | $- | $15.70 Million | ▼ -1 days |
| 2018 | 7 days | $23.84 Million | $3.41 Million/day | $- | $18.89 Million | ▼ -23509 days |
| 2017 | 23516 days | $25.81 Million | $1.10K/day | $- | $21.05 Million | ▲ +23503 days |
| 2016 | 13 days | $31.67 Million | $2.39 Million/day | $- | $27.90 Million | ▼ -8 days |
| 2015 | 21 days | $32.20 Million | $1.54 Million/day | $- | $30.08 Million | ▼ -3510 days |
| 2014 | 3531 days | $1.78 Million | $505.01/day | $- | $- | — |