Patriot National Bancorp Inc (PNBK) — Defensive Interval Ratio
Patriot National Bancorp Inc (PNBK) has a Defensive Interval Ratio of 75 days as of June 2026. Defensive assets of $246.88 Million (cash $-, short-term investments $240.34 Million, receivables $6.53 Million) cover 75 days of daily cash needs of $3.29 Million/day. Explore PNBK strategic capital deployment ratio to see how much of total assets are deployed in long-term investments.
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 June 2026, the ratio stands at 75 days, meaning defensive assets of $246.88 Million can fund 75 days of operations without new revenue. Read how much debt does Patriot National Bancorp Inc carry for a breakdown of total debt and financial obligations.
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 the complete balance sheet picture, see Patriot National Bancorp Inc (PNBK) total assets.
| 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 | $- | $- | — |