Third Coast Bancshares, Inc. (TCBX) — Defensive Interval Ratio
Third Coast Bancshares, Inc. (TCBX) has a Defensive Interval Ratio of 7915 days as of September 2025. Defensive assets of $406.26 Million (cash $-, short-term investments $376.72 Million, receivables $29.54 Million) cover 7915 days of daily cash needs of $51.33K/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Third Coast Bancshares, Inc. Defensive Interval Ratio (2019–2024)
This chart shows how Third Coast Bancshares, Inc.'s Defensive Interval Ratio has evolved across 6 annual periods from 2019 to 2024. As of September 2025, the ratio stands at 7915 days, meaning defensive assets of $406.26 Million can fund 7915 days of operations without new revenue. For the complete balance sheet picture, see balance sheet size of Third Coast Bancshares, Inc..
Annual Defensive Interval Ratio for Third Coast Bancshares, Inc. (2019–2024)
The table below presents the year-by-year Defensive Interval Ratio for Third Coast Bancshares, Inc. from 2019 to 2024, covering 6 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 TCBX current assets to equity ratio 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) |
|---|---|---|---|---|---|---|
| 2024 | 34 days | $409.85 Million | $11.91 Million/day | $- | $384.02 Million | ▲ +15 days |
| 2023 | 19 days | $201.21 Million | $10.54 Million/day | $- | $178.09 Million | ▼ -3 days |
| 2022 | 22 days | $194.41 Million | $8.96 Million/day | $- | $176.07 Million | ▲ +15 days |
| 2021 | 6 days | $36.66 Million | $5.87 Million/day | $- | $26.43 Million | ▼ -3 days |
| 2020 | 9 days | $39.27 Million | $4.48 Million/day | $- | $25.59 Million | ▲ +7 days |
| 2019 | 2 days | $3.79 Million | $2.22 Million/day | $- | $536.33K | — |