OP Bancorp (OPBK) — Defensive Interval Ratio
OP Bancorp (OPBK) has a Defensive Interval Ratio of 2 days as of September 2025. Defensive assets of $10.36 Million (cash $-, short-term investments $18.00K, receivables $10.34 Million) cover 2 days of daily cash needs of $6.27 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
OP Bancorp Defensive Interval Ratio (2005–2024)
This chart shows how OP Bancorp's Defensive Interval Ratio has evolved across 15 annual periods from 2005 to 2024. As of September 2025, the ratio stands at 2 days, meaning defensive assets of $10.36 Million can fund 2 days of operations without new revenue. For the complete balance sheet picture, see balance sheet size of OP Bancorp.
Annual Defensive Interval Ratio for OP Bancorp (2005–2024)
The table below presents the year-by-year Defensive Interval Ratio for OP Bancorp from 2005 to 2024, 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 OP Bancorp 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) |
|---|---|---|---|---|---|---|
| 2024 | 2 days | $9.21 Million | $5.60 Million/day | $- | $22.00K | ▼ -39 days |
| 2023 | 41 days | $202.51 Million | $4.99 Million/day | $- | $194.25 Million | ▼ -1 days |
| 2022 | 42 days | $216.99 Million | $5.17 Million/day | $- | $209.81 Million | ▲ +5 days |
| 2021 | 37 days | $155.02 Million | $4.20 Million/day | $- | $150.44 Million | ▲ +8 days |
| 2020 | 29 days | $95.78 Million | $3.29 Million/day | $- | $91.79 Million | ▲ +8 days |
| 2019 | 21 days | $59.72 Million | $2.80 Million/day | $- | $56.55 Million | ▼ -2 days |
| 2018 | 24 days | $58.40 Million | $2.48 Million/day | $- | $55.34 Million | ▲ +3 days |
| 2017 | 20 days | $43.94 Million | $2.19 Million/day | $- | $41.47 Million | ▼ -1 days |
| 2016 | 21 days | $37.46 Million | $1.81 Million/day | $- | $35.46 Million | ▼ -11 days |
| 2015 | 32 days | $45.45 Million | $1.42 Million/day | $- | $43.89 Million | ▲ +14 days |
| 2014 | 18 days | $21.04 Million | $1.17 Million/day | $- | $19.86 Million | ▲ +6 days |
| 2013 | 12 days | $10.28 Million | $847.63K/day | $- | $9.46 Million | ▼ -5 days |
| 2012 | 17 days | $8.50 Million | $490.60K/day | $- | $8.01 Million | ▲ +16 days |
| 2006 | 2 days | $645.00K | $394.43K/day | $- | $- | ▼ 0 days |
| 2005 | 2 days | $381.00K | $224.12K/day | $- | $- | — |