MetroCity Bankshares Defensive Interval Ratio
MetroCity Bankshares defensive interval ratio. MetroCity Bankshares (MCBS) has a Defensive Interval Ratio of 1196 days as of June 2026. Defensive assets of $46.30 Million (cash $-, short-term investments $26.18 Million, receivables $20.11 Million) cover 1196 days of daily cash needs of $38.72K/day. See MCBS working capital ratio 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 MetroCity Bankshares (2014–2025)
Defensive interval ratio of MetroCity Bankshares from 2014 to 2025. This chart shows how MetroCity Bankshares's Defensive Interval Ratio has evolved across 12 annual periods from 2014 to 2025. As of June 2026, the ratio stands at 1196 days, meaning defensive assets of $46.30 Million can fund 1196 days of operations without new revenue. Check MCBS asset liquidity ratio to evaluate the company's liquid asset resilience ratio.
MetroCity Bankshares Defensive Interval Ratio by Year (2014–2025)
MetroCity Bankshares defensive interval ratio by year from 2014 to 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 the complete balance sheet picture, see MetroCity Bankshares balance sheet assets.
| 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 | $- | $- | — |