Old Second Bancorp Inc (OSBC) — Defensive Interval Ratio
Old Second Bancorp Inc (OSBC) has a Defensive Interval Ratio of 1825 days as of March 2026. Defensive assets of $1.12 Billion (cash $-, short-term investments $1.12 Billion, receivables $-) cover 1825 days of daily cash needs of $611.32K/day. See Old Second Bancorp Inc current assets vs equity to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Old Second Bancorp Inc Defensive Interval Ratio (2000–2025)
This chart shows how Old Second Bancorp Inc's Defensive Interval Ratio has evolved across 26 annual periods from 2000 to 2025. As of March 2026, the ratio stands at 1825 days, meaning defensive assets of $1.12 Billion can fund 1825 days of operations without new revenue. See OSBC equity financing ratio to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Old Second Bancorp Inc (2000–2025)
The table below presents the year-by-year Defensive Interval Ratio for Old Second Bancorp Inc from 2000 to 2025, covering 26 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 Old Second Bancorp Inc (OSBC) market capitalisation.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 13 days | $72.36 Million | $5.42 Million/day | $- | $72.36 Million | ▼ -112 days |
| 2024 | 125 days | $1.65 Billion | $13.22 Million/day | $- | $1.16 Billion | ▲ +9 days |
| 2023 | 116 days | $1.59 Billion | $13.70 Million/day | $- | $1.19 Billion | ▼ -11 days |
| 2022 | 127 days | $1.81 Billion | $14.34 Million/day | $- | $1.54 Billion | ▼ -35289 days |
| 2021 | 35415 days | $1.85 Billion | $52.26K/day | $- | $1.69 Billion | ▲ +25464 days |
| 2020 | 9951 days | $637.78 Million | $64.09K/day | $- | $496.18 Million | ▲ +9852 days |
| 2019 | 99 days | $604.40 Million | $6.09 Million/day | $- | $484.65 Million | ▲ +1 days |
| 2018 | 98 days | $620.05 Million | $6.34 Million/day | $- | $541.25 Million | ▼ -10 days |
| 2017 | 108 days | $609.76 Million | $5.67 Million/day | $- | $541.44 Million | ▼ -2 days |
| 2016 | 109 days | $587.29 Million | $5.38 Million/day | $- | $531.84 Million | ▲ +17 days |
| 2015 | 92 days | $456.07 Million | $4.95 Million/day | $- | $456.07 Million | ▲ +11 days |
| 2014 | 81 days | $390.95 Million | $4.80 Million/day | $- | $385.49 Million | ▲ +1 days |
| 2013 | 81 days | $378.00 Million | $4.68 Million/day | $- | $372.19 Million | ▼ -35 days |
| 2012 | 116 days | $584.00 Million | $5.03 Million/day | $- | $579.89 Million | ▲ +52 days |
| 2011 | 64 days | $307.56 Million | $4.77 Million/day | $- | $307.56 Million | ▲ +42 days |
| 2010 | 22 days | $117.88 Million | $5.30 Million/day | $- | $70.17 Million | ▼ -1 days |
| 2009 | 24 days | $149.67 Million | $6.33 Million/day | $- | $42.95 Million | ▲ +17 days |
| 2008 | 7 days | $51.22 Million | $7.39 Million/day | $- | $6.31 Million | ▲ +2 days |
| 2007 | 5 days | $35.93 Million | $6.66 Million/day | $- | $3.94 Million | ▼ -1 days |
| 2006 | 6 days | $37.61 Million | $6.17 Million/day | $- | $7.80 Million | ▲ +0 days |
| 2005 | 6 days | $34.30 Million | $5.98 Million/day | $- | $- | ▲ +2 days |
| 2004 | 4 days | $21.84 Million | $5.30 Million/day | $- | $- | ▼ 0 days |
| 2003 | 4 days | $19.76 Million | $4.63 Million/day | $- | $- | ▼ -6 days |
| 2002 | 10 days | $40.78 Million | $4.04 Million/day | $- | $23.35 Million | ▲ +6 days |
| 2001 | 4 days | $12.19 Million | $3.22 Million/day | $- | $- | ▲ +1 days |
| 2000 | 3 days | $8.28 Million | $2.80 Million/day | $- | $8.28 Million | — |