MetroCity Bankshares (MCBS) — Defensive Interval Ratio
MetroCity Bankshares (MCBS) has a Defensive Interval Ratio of 1609 days as of December 2025. Defensive assets of $67.48 Million (cash $-, short-term investments $47.18 Million, receivables $20.30 Million) cover 1609 days of daily cash needs of $41.93K/day. Check how tangible is MetroCity Bankshares's equity to evaluate the tangible quality of 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 December 2025, the ratio stands at 1609 days, meaning defensive assets of $67.48 Million can fund 1609 days of operations without new revenue. Also explore MetroCity Bankshares net asset momentum to track the company's year-over-year net asset growth rate.
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 market cap of MetroCity Bankshares.
| 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 | $- | $- | — |