Midland States Bancorp, Inc. (MSBI) — Defensive Interval Ratio
Midland States Bancorp, Inc. (MSBI) has a Defensive Interval Ratio of 107 days as of June 2026. Defensive assets of $1.68 Billion (cash $-, short-term investments $1.66 Billion, receivables $23.68 Million) cover 107 days of daily cash needs of $15.66 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Midland States Bancorp, Inc. Defensive Interval Ratio (2009–2025)
This chart shows how Midland States Bancorp, Inc.'s Defensive Interval Ratio has evolved across 15 annual periods from 2009 to 2025. As of June 2026, the ratio stands at 107 days, meaning defensive assets of $1.68 Billion can fund 107 days of operations without new revenue. For the complete balance sheet picture, see how large is Midland States Bancorp, Inc.'s balance sheet.
Annual Defensive Interval Ratio for Midland States Bancorp, Inc. (2009–2025)
The table below presents the year-by-year Defensive Interval Ratio for Midland States Bancorp, Inc. from 2009 to 2025, covering 15 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 MSBI working capital efficiency 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) |
|---|---|---|---|---|---|---|
| 2025 | 88 days | $1.32 Billion | $15.03 Million/day | $- | $1.29 Billion | ▲ +10 days |
| 2024 | 77 days | $1.35 Billion | $17.56 Million/day | $- | $952.26 Million | ▼ -1 days |
| 2023 | 78 days | $1.41 Billion | $18.10 Million/day | $- | $915.89 Million | ▲ +8 days |
| 2022 | 70 days | $1.28 Billion | $18.16 Million/day | $- | $768.23 Million | ▼ -8 days |
| 2021 | 78 days | $1.35 Billion | $17.21 Million/day | $- | $906.60 Million | ▲ +0 days |
| 2020 | 78 days | $1.11 Billion | $14.16 Million/day | $- | $676.71 Million | ▼ 0 days |
| 2019 | 79 days | $998.36 Million | $12.69 Million/day | $- | $649.43 Million | ▼ -3 days |
| 2018 | 82 days | $946.87 Million | $11.61 Million/day | $- | $657.45 Million | ▲ +7 days |
| 2017 | 75 days | $675.74 Million | $9.04 Million/day | $- | $450.52 Million | ▲ +10 days |
| 2016 | 65 days | $452.74 Million | $6.95 Million/day | $- | $247.20 Million | ▼ -148596 days |
| 2015 | 148661 days | $398.74 Million | $2.68K/day | $- | $238.06 Million | ▲ +148600 days |
| 2014 | 61 days | $380.34 Million | $6.28 Million/day | $- | $253.77 Million | ▲ +13 days |
| 2012 | 47 days | $9.24 Million | $195.13K/day | $- | $597.00K | ▲ +45 days |
| 2010 | 2 days | $8.49 Million | $4.10 Million/day | $- | $- | ▼ 0 days |
| 2009 | 2 days | $5.81 Million | $2.77 Million/day | $- | $- | — |