Southside Bancshares, Inc. (SBSI) — Defensive Interval Ratio
Southside Bancshares, Inc. (SBSI) has a Defensive Interval Ratio of 54 days as of September 2025. Defensive assets of $1.06 Billion (cash $-, short-term investments $1.03 Billion, receivables $35.41 Million) cover 54 days of daily cash needs of $19.62 Million/day. See SBSI 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
Southside Bancshares, Inc. Defensive Interval Ratio (1995–2024)
This chart shows how Southside Bancshares, Inc.'s Defensive Interval Ratio has evolved across 30 annual periods from 1995 to 2024. As of September 2025, the ratio stands at 54 days, meaning defensive assets of $1.06 Billion can fund 54 days of operations without new revenue. See Southside Bancshares, Inc. balance sheet quality to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Southside Bancshares, Inc. (1995–2024)
The table below presents the year-by-year Defensive Interval Ratio for Southside Bancshares, Inc. from 1995 to 2024, 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 SBSI market cap overview.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2024 | 63 days | $1.16 Billion | $18.44 Million/day | $- | $1.11 Billion | ▼ -12 days |
| 2023 | 75 days | $1.35 Billion | $17.94 Million/day | $- | $1.30 Billion | ▼ -158 days |
| 2022 | 233 days | $1.35 Billion | $5.79 Million/day | $- | $1.30 Billion | ▲ +54 days |
| 2021 | 179 days | $2.80 Billion | $15.68 Million/day | $- | $2.76 Billion | ▼ -16 days |
| 2020 | 194 days | $2.63 Billion | $13.51 Million/day | $- | $2.59 Billion | ▼ -236 days |
| 2019 | 430 days | $2.39 Billion | $5.55 Million/day | $- | $2.36 Billion | ▲ +265 days |
| 2018 | 165 days | $2.02 Billion | $12.22 Million/day | $- | $1.99 Billion | ▲ +39 days |
| 2017 | 126 days | $1.57 Billion | $12.40 Million/day | $- | $1.54 Billion | ▲ +2 days |
| 2016 | 125 days | $1.50 Billion | $12.07 Million/day | $- | $1.48 Billion | ▼ -7 days |
| 2015 | 132 days | $1.48 Billion | $11.24 Million/day | $- | $1.46 Billion | ▲ +99 days |
| 2014 | 33 days | $329.14 Million | $10.07 Million/day | $- | $306.71 Million | ▼ -18 days |
| 2013 | 50 days | $359.40 Million | $7.13 Million/day | $- | $337.43 Million | ▼ -42 days |
| 2012 | 93 days | $636.64 Million | $6.86 Million/day | $- | $617.71 Million | ▲ +52 days |
| 2011 | 41 days | $302.38 Million | $7.36 Million/day | $- | $282.96 Million | ▲ +34 days |
| 2010 | 7 days | $40.92 Million | $5.87 Million/day | $- | $22.89 Million | ▲ +3 days |
| 2009 | 4 days | $20.30 Million | $5.17 Million/day | $- | $1.82 Million | ▼ -1 days |
| 2008 | 4 days | $19.06 Million | $4.30 Million/day | $- | $2.71 Million | ▲ +2 days |
| 2007 | 3 days | $13.75 Million | $5.19 Million/day | $- | $1.96 Million | ▼ 0 days |
| 2006 | 3 days | $12.59 Million | $4.43 Million/day | $- | $2.48 Million | ▲ +0 days |
| 2005 | 3 days | $9.85 Million | $3.91 Million/day | $- | $550.00K | ▼ 0 days |
| 2004 | 3 days | $9.10 Million | $3.15 Million/day | $- | $550.00K | ▲ +0 days |
| 2003 | 3 days | $8.43 Million | $2.93 Million/day | $- | $- | ▼ 0 days |
| 2002 | 3 days | $8.93 Million | $2.70 Million/day | $- | $- | ▼ 0 days |
| 2001 | 3 days | $8.62 Million | $2.47 Million/day | $- | $- | ▼ 0 days |
| 2000 | 4 days | $9.12 Million | $2.40 Million/day | $- | $- | ▲ +0 days |
| 1999 | 4 days | $7.60 Million | $2.12 Million/day | $- | $- | ▲ +0 days |
| 1998 | 3 days | $6.10 Million | $1.75 Million/day | $- | $- | ▲ +1 days |
| 1997 | 3 days | $3.92 Million | $1.36 Million/day | $- | $- | ▲ +0 days |
| 1996 | 3 days | $3.30 Million | $1.18 Million/day | $- | $- | ▼ 0 days |
| 1995 | 3 days | $3.10 Million | $1.08 Million/day | $- | $- | — |