Bank Ozk (OZK) — Defensive Interval Ratio
Bank Ozk (OZK) has a Defensive Interval Ratio of 6 days as of September 2025. Defensive assets of $598.26 Million (cash $-, short-term investments $419.95 Million, receivables $178.31 Million) cover 6 days of daily cash needs of $93.11 Million/day. See Bank Ozk (OZK) 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
Bank Ozk Defensive Interval Ratio (1996–2024)
This chart shows how Bank Ozk's Defensive Interval Ratio has evolved across 29 annual periods from 1996 to 2024. As of September 2025, the ratio stands at 6 days, meaning defensive assets of $598.26 Million can fund 6 days of operations without new revenue. See OZK net asset quality score to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Bank Ozk (1996–2024)
The table below presents the year-by-year Defensive Interval Ratio for Bank Ozk from 1996 to 2024, covering 29 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 OZK market cap overview.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2024 | 9 days | $739.53 Million | $85.05 Million/day | $- | $565.50 Million | ▼ -37 days |
| 2023 | 45 days | $3.41 Billion | $75.08 Million/day | $- | $3.24 Billion | ▼ -15 days |
| 2022 | 61 days | $3.62 Billion | $59.55 Million/day | $- | $3.49 Billion | ▼ -11 days |
| 2021 | 72 days | $4.00 Billion | $55.90 Million/day | $- | $3.92 Billion | ▲ +13 days |
| 2020 | 59 days | $3.49 Billion | $59.48 Million/day | $- | $3.41 Billion | ▼ -3813 days |
| 2019 | 3872 days | $2.35 Billion | $607.63K/day | $- | $2.28 Billion | ▼ -1095 days |
| 2018 | 4967 days | $2.94 Billion | $592.75K/day | $- | $2.86 Billion | ▼ -302 days |
| 2017 | 5269 days | $2.69 Billion | $510.04K/day | $- | $2.62 Billion | ▲ +5234 days |
| 2016 | 35 days | $1.52 Billion | $43.05 Million/day | $- | $1.47 Billion | ▼ -4357 days |
| 2015 | 4392 days | $627.85 Million | $142.94K/day | $- | $602.35 Million | ▼ -4111 days |
| 2014 | 8504 days | $859.51 Million | $101.07K/day | $- | $839.32 Million | ▲ +8438 days |
| 2013 | 66 days | $683.74 Million | $10.42 Million/day | $- | $669.38 Million | ▲ +7 days |
| 2012 | 59 days | $507.47 Million | $8.65 Million/day | $- | $494.27 Million | ▲ +5 days |
| 2011 | 54 days | $451.78 Million | $8.40 Million/day | $- | $438.91 Million | ▲ +30 days |
| 2010 | 24 days | $168.01 Million | $7.08 Million/day | $- | $1.00 Million | ▲ +7 days |
| 2009 | 16 days | $92.50 Million | $5.68 Million/day | $- | $77.74 Million | ▲ +13 days |
| 2008 | 3 days | $19.19 Million | $6.69 Million/day | $- | $317.00K | ▼ 0 days |
| 2007 | 3 days | $17.75 Million | $5.79 Million/day | $- | $329.00K | ▲ +0 days |
| 2006 | 3 days | $17.59 Million | $5.76 Million/day | $- | $203.00K | ▼ 0 days |
| 2005 | 3 days | $14.01 Million | $4.51 Million/day | $- | $207.00K | ▲ +1 days |
| 2004 | 2 days | $9.00 Million | $3.88 Million/day | $- | $441.00K | ▼ 0 days |
| 2003 | 2 days | $7.46 Million | $3.01 Million/day | $- | $428.00K | ▼ 0 days |
| 2002 | 3 days | $6.46 Million | $2.24 Million/day | $- | $427.00K | ▼ 0 days |
| 2001 | 3 days | $6.04 Million | $1.91 Million/day | $- | $218.00K | ▼ -3 days |
| 2000 | 6 days | $10.91 Million | $1.91 Million/day | $- | $2.02 Million | ▲ +1 days |
| 1999 | 4 days | $7.20 Million | $1.67 Million/day | $- | $- | ▲ +1 days |
| 1998 | 4 days | $5.50 Million | $1.53 Million/day | $- | $- | ▲ +0 days |
| 1997 | 4 days | $3.00 Million | $852.05K/day | $- | $- | ▼ 0 days |
| 1996 | 4 days | $2.60 Million | $675.89K/day | $- | $- | — |