Oak Valley Bancorp (OVLY) — Defensive Interval Ratio
Oak Valley Bancorp (OVLY) has a Defensive Interval Ratio of 124003 days as of December 2025. Defensive assets of $552.41 Million (cash $-, short-term investments $543.53 Million, receivables $8.88 Million) cover 124003 days of daily cash needs of $4.45K/day. See Oak Valley Bancorp (OVLY) 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
Oak Valley Bancorp Defensive Interval Ratio (2001–2025)
This chart shows how Oak Valley Bancorp's Defensive Interval Ratio has evolved across 25 annual periods from 2001 to 2025. As of December 2025, the ratio stands at 124003 days, meaning defensive assets of $552.41 Million can fund 124003 days of operations without new revenue. See Oak Valley Bancorp (OVLY) balance sheet quality index to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Oak Valley Bancorp (2001–2025)
The table below presents the year-by-year Defensive Interval Ratio for Oak Valley Bancorp from 2001 to 2025, covering 25 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 market value of Oak Valley Bancorp.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 122798 days | $547.04 Million | $4.45K/day | $- | $543.53 Million | ▲ +122780 days |
| 2024 | 18 days | $83.63 Million | $4.65 Million/day | $- | $75.07 Million | ▼ -98 days |
| 2023 | 116 days | $526.46 Million | $4.52 Million/day | $- | $518.08 Million | ▲ +10 days |
| 2022 | 106 days | $535.37 Million | $5.05 Million/day | $- | $527.44 Million | ▲ +53 days |
| 2021 | 53 days | $266.95 Million | $4.99 Million/day | $- | $262.89 Million | ▼ -5 days |
| 2020 | 59 days | $222.85 Million | $3.79 Million/day | $- | $217.16 Million | ▼ -9 days |
| 2019 | 68 days | $193.54 Million | $2.84 Million/day | $- | $190.09 Million | ▼ -9 days |
| 2018 | 77 days | $210.47 Million | $2.73 Million/day | $- | $206.71 Million | ▲ +7 days |
| 2017 | 71 days | $182.42 Million | $2.59 Million/day | $- | $179.25 Million | ▲ +6 days |
| 2016 | 65 days | $163.16 Million | $2.52 Million/day | $- | $160.33 Million | ▲ +5 days |
| 2015 | 60 days | $133.97 Million | $2.24 Million/day | $- | $131.55 Million | ▼ -7 days |
| 2014 | 67 days | $123.30 Million | $1.85 Million/day | $- | $121.28 Million | ▼ -5 days |
| 2013 | 72 days | $119.76 Million | $1.66 Million/day | $- | $117.75 Million | ▲ +7 days |
| 2012 | 65 days | $105.52 Million | $1.62 Million/day | $- | $103.87 Million | ▲ +3 days |
| 2011 | 62 days | $91.40 Million | $1.48 Million/day | $- | $89.69 Million | ▼ -40232 days |
| 2010 | 40294 days | $53.29 Billion | $1.32 Million/day | $- | $53.27 Billion | ▼ -2634 days |
| 2009 | 42928 days | $50.79 Billion | $1.18 Million/day | $- | $50.77 Billion | ▲ +42877 days |
| 2008 | 50 days | $52.99 Million | $1.05 Million/day | $- | $31.49 Million | ▲ +33 days |
| 2007 | 17 days | $18.12 Million | $1.04 Million/day | $- | $3.81 Million | ▲ +3 days |
| 2006 | 15 days | $15.45 Million | $1.06 Million/day | $- | $2.64 Million | ▲ +2 days |
| 2005 | 13 days | $11.91 Million | $930.37K/day | $- | $- | ▼ -1 days |
| 2004 | 14 days | $10.36 Million | $754.30K/day | $- | $- | ▲ +0 days |
| 2003 | 13 days | $8.10 Million | $609.59K/day | $- | $- | ▼ -1 days |
| 2002 | 14 days | $6.89 Million | $484.86K/day | $- | $- | ▲ +1 days |
| 2001 | 14 days | $5.35 Million | $390.98K/day | $- | $- | — |