Patriot National Bancorp Inc (PNBK) — Defensive Interval Ratio
Patriot National Bancorp Inc (PNBK) has a Defensive Interval Ratio of 81 days as of December 2025. Defensive assets of $214.45 Million (cash $-, short-term investments $209.58 Million, receivables $4.87 Million) cover 81 days of daily cash needs of $2.65 Million/day. Check Patriot National Bancorp Inc (PNBK) tangible net worth to evaluate the tangible quality of 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 December 2025, the ratio stands at 81 days, meaning defensive assets of $214.45 Million can fund 81 days of operations without new revenue. Also explore Patriot National Bancorp Inc (PNBK) equity growth momentum to track the company's year-over-year net asset growth rate.
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 Patriot National Bancorp Inc (PNBK) market capitalisation.
| 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 | $- | $- | — |