Orange County Bancorp Inc (OBT) — Defensive Interval Ratio
Orange County Bancorp Inc (OBT) has a Defensive Interval Ratio of 61 days as of June 2026. Defensive assets of $406.69 Million (cash $-, short-term investments $395.91 Million, receivables $10.79 Million) cover 61 days of daily cash needs of $6.66 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Orange County Bancorp Inc Defensive Interval Ratio (2015–2025)
This chart shows how Orange County Bancorp Inc's Defensive Interval Ratio has evolved across 11 annual periods from 2015 to 2025. As of June 2026, the ratio stands at 61 days, meaning defensive assets of $406.69 Million can fund 61 days of operations without new revenue. For the complete balance sheet picture, see OBT total assets.
Annual Defensive Interval Ratio for Orange County Bancorp Inc (2015–2025)
The table below presents the year-by-year Defensive Interval Ratio for Orange County Bancorp Inc from 2015 to 2025, covering 11 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 Orange County Bancorp Inc current assets vs equity 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 | 27 days | $168.72 Million | $6.33 Million/day | $- | $158.34 Million | ▼ -46 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 | — |