Orange County Bancorp Inc (OBT) — Defensive Interval Ratio
Orange County Bancorp Inc (OBT) has a Defensive Interval Ratio of 69 days as of September 2025. Defensive assets of $437.14 Million (cash $-, short-term investments $426.63 Million, receivables $10.51 Million) cover 69 days of daily cash needs of $6.31 Million/day. Check OBT tangible net worth ratio to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Orange County Bancorp Inc Defensive Interval Ratio (2015–2024)
This chart shows how Orange County Bancorp Inc's Defensive Interval Ratio has evolved across 10 annual periods from 2015 to 2024. As of September 2025, the ratio stands at 69 days, meaning defensive assets of $437.14 Million can fund 69 days of operations without new revenue. Also explore Orange County Bancorp Inc net asset momentum to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for Orange County Bancorp Inc (2015–2024)
The table below presents the year-by-year Defensive Interval Ratio for Orange County Bancorp Inc from 2015 to 2024, covering 10 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 Orange County Bancorp Inc stock valuation.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2024 | 73 days | $450.45 Million | $6.21 Million/day | $- | $443.77 Million | ▼ -7 days |
| 2023 | 80 days | $495.88 Million | $6.20 Million/day | $- | $489.95 Million | ▼ -13 days |
| 2022 | 93 days | $539.78 Million | $5.83 Million/day | $- | $533.46 Million | ▲ +4 days |
| 2021 | 89 days | $471.44 Million | $5.31 Million/day | $- | $464.80 Million | ▲ +7 days |
| 2020 | 81 days | $336.40 Million | $4.13 Million/day | $- | $330.11 Million | ▼ -4 days |
| 2019 | 86 days | $258.12 Million | $3.01 Million/day | $- | $254.91 Million | ▼ -17 days |
| 2018 | 103 days | $258.54 Million | $2.51 Million/day | $- | $255.54 Million | ▼ -31 days |
| 2017 | 133 days | $300.49 Million | $2.25 Million/day | $- | $297.70 Million | ▼ -3 days |
| 2016 | 136 days | $281.86 Million | $2.07 Million/day | $- | $279.28 Million | ▼ -35 days |
| 2015 | 171 days | $307.30 Million | $1.79 Million/day | $- | $304.83 Million | — |