Midland States Bancorp Inc (MSBI) — Defensive Interval Ratio
Midland States Bancorp Inc (MSBI) has a Defensive Interval Ratio of 9249 days as of December 2025. Defensive assets of $1.52 Billion (cash $-, short-term investments $1.52 Billion, receivables $-) cover 9249 days of daily cash needs of $164.88K/day. See working capital position of Midland States Bancorp Inc to evaluate short-term liquidity relative to the company's equity base.
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 14 annual periods from 2009 to 2025. As of December 2025, the ratio stands at 9249 days, meaning defensive assets of $1.52 Billion can fund 9249 days of operations without new revenue. See MSBI net asset quality score to measure how much of total assets are equity-financed.
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 14 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 Midland States Bancorp Inc (MSBI) total market value.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 9249 days | $1.52 Billion | $164.88K/day | $- | $1.52 Billion | ▲ +9172 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 | ▲ +58 days |
| 2010 | 2 days | $8.49 Million | $4.10 Million/day | $- | $- | ▼ 0 days |
| 2009 | 2 days | $5.81 Million | $2.77 Million/day | $- | $- | — |