Patriot National Bancorp Inc (PNBK) — Defensive Interval Ratio
Patriot National Bancorp Inc (PNBK) has a Defensive Interval Ratio of 47 days as of March 2026. Defensive assets of $135.78 Million (cash $-, short-term investments $129.50 Million, receivables $6.27 Million) cover 47 days of daily cash needs of $2.87 Million/day. See PNBK working capital efficiency to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Patriot National Bancorp Inc Defensive Interval Ratio (1995–2025)
This chart shows how Patriot National Bancorp Inc's Defensive Interval Ratio has evolved across 30 annual periods from 1995 to 2025. As of March 2026, the ratio stands at 47 days, meaning defensive assets of $135.78 Million can fund 47 days of operations without new revenue. See net asset quality index of Patriot National Bancorp Inc to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Patriot National Bancorp Inc (1995–2025)
The table below presents the year-by-year Defensive Interval Ratio for Patriot National Bancorp Inc from 1995 to 2025, covering 30 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 PNBK company net worth.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 81 days | $214.45 Million | $2.65 Million/day | $- | $209.58 Million | ▲ +71 days |
| 2024 | 10 days | $25.28 Million | $2.65 Million/day | $- | $19.79 Million | ▼ -3 days |
| 2023 | 12 days | $27.91 Million | $2.30 Million/day | $- | $20.69 Million | ▼ -26 days |
| 2022 | 39 days | $91.79 Million | $2.38 Million/day | $- | $84.52 Million | ▼ -10 days |
| 2021 | 48 days | $100.16 Million | $2.08 Million/day | $- | $94.34 Million | ▲ +19 days |
| 2020 | 29 days | $55.88 Million | $1.90 Million/day | $- | $49.26 Million | ▲ +5 days |
| 2019 | 24 days | $51.92 Million | $2.13 Million/day | $- | $48.32 Million | ▲ +3 days |
| 2018 | 21 days | $43.26 Million | $2.05 Million/day | $- | $39.50 Million | ▲ +5 days |
| 2017 | 17 days | $29.07 Million | $1.76 Million/day | $- | $25.58 Million | ▼ -2 days |
| 2016 | 19 days | $27.15 Million | $1.46 Million/day | $- | $24.43 Million | ▼ -7 days |
| 2015 | 26 days | $31.39 Million | $1.23 Million/day | $- | $29.38 Million | ▼ -4 days |
| 2014 | 29 days | $35.60 Million | $1.22 Million/day | $- | $33.68 Million | ▼ -4 days |
| 2013 | 33 days | $39.27 Million | $1.19 Million/day | $- | $37.70 Million | ▲ +1 days |
| 2012 | 32 days | $44.32 Million | $1.40 Million/day | $- | $42.43 Million | ▼ -14 days |
| 2011 | 46 days | $69.63 Million | $1.53 Million/day | $- | $67.18 Million | ▼ -207 days |
| 2010 | 253 days | $455.91 Million | $1.81 Million/day | $- | $453.40 Million | ▲ +251 days |
| 2009 | 2 days | $3.50 Million | $2.12 Million/day | $- | $263.84K | ▼ -1 days |
| 2008 | 2 days | $4.87 Million | $2.18 Million/day | $- | $316.52K | ▼ -135 days |
| 2007 | 138 days | $256.24 Million | $1.86 Million/day | $- | $251.67 Million | ▼ -15861 days |
| 2006 | 15999 days | $24.61 Billion | $1.54 Million/day | $- | $24.61 Billion | ▲ +14067 days |
| 2005 | 1932 days | $2.25 Billion | $1.16 Million/day | $- | $2.25 Billion | ▼ -9345 days |
| 2004 | 11276 days | $11.46 Billion | $1.02 Million/day | $- | $11.46 Billion | ▲ +11243 days |
| 2003 | 33 days | $26.90 Million | $810.12K/day | $- | $25.43 Million | ▲ +21 days |
| 2002 | 12 days | $7.66 Million | $623.59K/day | $- | $6.35 Million | ▼ -15 days |
| 2001 | 27 days | $13.78 Million | $502.09K/day | $- | $12.70 Million | ▼ -35 days |
| 2000 | 62 days | $30.73 Million | $492.24K/day | $- | $29.50 Million | ▲ +60 days |
| 1999 | 2 days | $980.78K | $445.88K/day | $- | $- | ▼ 0 days |
| 1997 | 3 days | $500.00K | $187.95K/day | $- | $- | ▼ 0 days |
| 1996 | 3 days | $400.00K | $130.14K/day | $- | $- | ▲ +0 days |
| 1995 | 3 days | $300.00K | $103.01K/day | $- | $- | — |