OptimumBank Holdings, Inc. Defensive Interval Ratio
OptimumBank Holdings, Inc. defensive interval ratio. OptimumBank Holdings, Inc. (OPHC) has a Defensive Interval Ratio of 10 days as of September 2025. Defensive assets of $26.10 Million (cash $-, short-term investments $22.93 Million, receivables $3.17 Million) cover 10 days of daily cash needs of $2.63 Million/day. See OptimumBank Holdings, Inc. (OPHC) working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Defensive Interval Ratio of OptimumBank Holdings, Inc. (2001–2024)
Defensive interval ratio of OptimumBank Holdings, Inc. from 2001 to 2024. This chart shows how OptimumBank Holdings, Inc.'s Defensive Interval Ratio has evolved across 24 annual periods from 2001 to 2024. As of September 2025, the ratio stands at 10 days, meaning defensive assets of $26.10 Million can fund 10 days of operations without new revenue. Check how resilient are OptimumBank Holdings, Inc.'s assets to evaluate the company's liquid asset resilience ratio.
OptimumBank Holdings, Inc. Defensive Interval Ratio by Year (2001–2024)
OptimumBank Holdings, Inc. defensive interval ratio by year from 2001 to 2024. The table below presents the year-by-year Defensive Interval Ratio for OptimumBank Holdings, Inc. from 2001 to 2024, covering 24 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 the complete balance sheet picture, see OPHC asset base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2024 | 12 days | $26.12 Million | $2.25 Million/day | $- | $22.77 Million | ▼ -2 days |
| 2023 | 14 days | $26.83 Million | $1.92 Million/day | $- | $24.36 Million | ▼ -5 days |
| 2022 | 19 days | $26.55 Million | $1.42 Million/day | $- | $25.10 Million | ▼ -23 days |
| 2021 | 42 days | $35.37 Million | $850.57K/day | $- | $34.39 Million | ▲ +7 days |
| 2020 | 35 days | $20.23 Million | $585.64K/day | $- | $18.89 Million | ▲ +16 days |
| 2019 | 19 days | $5.84 Million | $313.35K/day | $- | $5.41 Million | ▲ +7 days |
| 2018 | 11 days | $2.67 Million | $239.83K/day | $- | $2.36 Million | ▼ -39 days |
| 2017 | 50 days | $11.75 Million | $234.93K/day | $- | $11.44 Million | ▼ -19 days |
| 2016 | 69 days | $20.60 Million | $300.24K/day | $- | $20.22 Million | ▼ -13 days |
| 2015 | 81 days | $26.21 Million | $322.11K/day | $- | $25.75 Million | ▼ -5 days |
| 2014 | 87 days | $27.17 Million | $313.27K/day | $- | $26.75 Million | ▲ +16 days |
| 2013 | 71 days | $23.49 Million | $332.69K/day | $- | $22.99 Million | ▲ +17 days |
| 2012 | 54 days | $19.15 Million | $354.28K/day | $- | $18.65 Million | ▼ -23 days |
| 2011 | 77 days | $29.41 Million | $382.45K/day | $- | $28.91 Million | ▲ +41 days |
| 2010 | 36 days | $14.76 Million | $408.36K/day | $- | $13.34 Million | ▼ -60 days |
| 2009 | 96 days | $39.89 Million | $415.57K/day | $- | $35.23 Million | ▲ +85 days |
| 2008 | 11 days | $3.52 Million | $314.86K/day | $- | $2.24 Million | ▲ +6 days |
| 2007 | 5 days | $1.67 Million | $342.56K/day | $- | $226.00K | ▼ -1 days |
| 2006 | 5 days | $1.94 Million | $354.80K/day | $- | $681.00K | ▲ +0 days |
| 2005 | 5 days | $1.68 Million | $312.50K/day | $- | $652.00K | ▼ -8 days |
| 2004 | 14 days | $3.72 Million | $268.48K/day | $- | $2.84 Million | ▲ +7 days |
| 2003 | 6 days | $1.43 Million | $222.42K/day | $- | $208.00K | ▼ -14 days |
| 2002 | 20 days | $2.86 Million | $141.76K/day | $- | $2.86 Million | ▼ -29 days |
| 2001 | 49 days | $3.83 Million | $78.15K/day | $- | $3.83 Million | — |