Peoples Bancorp of North Carolina (PEBK) — Defensive Interval Ratio
Peoples Bancorp of North Carolina (PEBK) has a Defensive Interval Ratio of 393447 days as of June 2026. Defensive assets of $395.60 Million (cash $-, short-term investments $364.48 Million, receivables $31.12 Million) cover 393447 days of daily cash needs of $1.01K/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Peoples Bancorp of North Carolina Defensive Interval Ratio (1997–2025)
This chart shows how Peoples Bancorp of North Carolina's Defensive Interval Ratio has evolved across 29 annual periods from 1997 to 2025. As of June 2026, the ratio stands at 393447 days, meaning defensive assets of $395.60 Million can fund 393447 days of operations without new revenue. For the complete balance sheet picture, see PEBK asset base.
Annual Defensive Interval Ratio for Peoples Bancorp of North Carolina (1997–2025)
The table below presents the year-by-year Defensive Interval Ratio for Peoples Bancorp of North Carolina from 1997 to 2025, 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. See working capital to net assets of Peoples Bancorp of North Carolina 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) |
|---|---|---|---|---|---|---|
| 2025 | 52 days | $216.85 Million | $4.13 Million/day | $- | $216.85 Million | ▼ -5 days |
| 2024 | 57 days | $233.78 Million | $4.07 Million/day | $- | $233.78 Million | ▼ -39 days |
| 2023 | 97 days | $391.92 Million | $4.05 Million/day | $- | $391.92 Million | ▼ -14540 days |
| 2022 | 14637 days | $488.44 Million | $33.37K/day | $- | $445.39 Million | ▲ +5126 days |
| 2021 | 9511 days | $430.41 Million | $45.25K/day | $- | $406.55 Million | ▲ +1565 days |
| 2020 | 7945 days | $265.68 Million | $33.44K/day | $- | $245.25 Million | ▲ +2479 days |
| 2019 | 5466 days | $215.73 Million | $39.47K/day | $- | $195.75 Million | ▼ -202 days |
| 2018 | 5669 days | $212.88 Million | $37.55K/day | $- | $194.58 Million | ▼ -2507 days |
| 2017 | 8175 days | $243.31 Million | $29.76K/day | $- | $229.32 Million | ▼ -849 days |
| 2016 | 9025 days | $261.89 Million | $29.02K/day | $- | $249.95 Million | ▼ -1788 days |
| 2015 | 10812 days | $279.91 Million | $25.89K/day | $- | $268.53 Million | ▲ +10690 days |
| 2014 | 122 days | $292.04 Million | $2.39 Million/day | $- | $281.10 Million | ▼ -10 days |
| 2013 | 132 days | $313.22 Million | $2.37 Million/day | $- | $297.89 Million | ▼ -6 days |
| 2012 | 138 days | $311.20 Million | $2.26 Million/day | $- | $297.82 Million | ▼ -3 days |
| 2011 | 140 days | $335.77 Million | $2.39 Million/day | $- | $321.39 Million | ▲ +129 days |
| 2010 | 12 days | $27.57 Million | $2.40 Million/day | $- | $2.19 Million | ▲ +0 days |
| 2009 | 12 days | $26.69 Million | $2.32 Million/day | $- | $5.05 Million | ▲ +1 days |
| 2008 | 11 days | $22.32 Million | $2.11 Million/day | $- | $8.19 Million | ▲ +3 days |
| 2007 | 8 days | $15.57 Million | $1.99 Million/day | $- | $3.69 Million | ▲ +1 days |
| 2006 | 6 days | $12.78 Million | $2.02 Million/day | $- | $2.64 Million | ▼ 0 days |
| 2005 | 6 days | $10.38 Million | $1.62 Million/day | $- | $1.35 Million | ▼ 0 days |
| 2004 | 7 days | $10.31 Million | $1.56 Million/day | $- | $1.72 Million | ▼ -1 days |
| 2003 | 8 days | $11.37 Million | $1.52 Million/day | $- | $2.37 Million | ▼ 0 days |
| 2002 | 8 days | $11.12 Million | $1.42 Million/day | $- | $1.77 Million | ▲ +2 days |
| 2001 | 6 days | $8.46 Million | $1.35 Million/day | $- | $2.26 Million | ▼ -2 days |
| 2000 | 9 days | $10.72 Million | $1.25 Million/day | $- | $5.02 Million | ▲ +4 days |
| 1999 | 5 days | $5.29 Million | $1.04 Million/day | $- | $- | ▼ 0 days |
| 1998 | 5 days | $5.20 Million | $966.30K/day | $- | $- | ▼ -1 days |
| 1997 | 6 days | $4.70 Million | $789.32K/day | $- | $- | — |