Towne Bank (TOWN) — Defensive Interval Ratio
Towne Bank (TOWN) has a Defensive Interval Ratio of 5 days as of December 2025. Defensive assets of $167.56 Million (cash $-, short-term investments $167.56 Million, receivables $-) cover 5 days of daily cash needs of $36.98 Million/day. Check Towne Bank (TOWN) tangible equity ratio to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Towne Bank Defensive Interval Ratio (2005–2025)
This chart shows how Towne Bank's Defensive Interval Ratio has evolved across 21 annual periods from 2005 to 2025. As of December 2025, the ratio stands at 5 days, meaning defensive assets of $167.56 Million can fund 5 days of operations without new revenue. Also explore net asset growth rate of Towne Bank to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for Towne Bank (2005–2025)
The table below presents the year-by-year Defensive Interval Ratio for Towne Bank from 2005 to 2025, covering 21 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 Towne Bank stock valuation.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 5 days | $167.56 Million | $36.98 Million/day | $- | $167.56 Million | ▲ +3 days |
| 2024 | 2 days | $62.33 Million | $39.65 Million/day | $- | $62.33 Million | ▼ -54 days |
| 2023 | 56 days | $2.13 Billion | $38.15 Million/day | $- | $2.13 Billion | ▲ +1 days |
| 2022 | 55 days | $1.90 Billion | $34.42 Million/day | $- | $1.84 Billion | ▼ -3 days |
| 2021 | 58 days | $1.87 Billion | $32.26 Million/day | $- | $1.81 Billion | ▲ +3 days |
| 2020 | 55 days | $1.43 Billion | $26.23 Million/day | $- | $1.37 Billion | ▼ -2 days |
| 2019 | 56 days | $1.44 Billion | $25.54 Million/day | $- | $1.44 Billion | ▲ +9 days |
| 2018 | 47 days | $1.10 Billion | $23.06 Million/day | $- | $1.10 Billion | ▼ -1 days |
| 2017 | 49 days | $867.65 Million | $17.73 Million/day | $- | $867.65 Million | ▲ +0 days |
| 2016 | 49 days | $812.97 Million | $16.62 Million/day | $- | $812.97 Million | ▼ -4 days |
| 2015 | 53 days | $723.49 Million | $13.57 Million/day | $- | $723.49 Million | ▼ -4 days |
| 2014 | 57 days | $603.91 Million | $10.63 Million/day | $- | $603.91 Million | ▲ +2 days |
| 2013 | 55 days | $543.52 Million | $9.90 Million/day | $- | $543.52 Million | ▲ +6 days |
| 2012 | 48 days | $450.14 Million | $9.29 Million/day | $- | $450.14 Million | ▲ +11 days |
| 2011 | 38 days | $330.07 Million | $8.77 Million/day | $- | $330.07 Million | ▲ +37 days |
| 2010 | 1 days | $5.65 Million | $8.13 Million/day | $- | $5.65 Million | ▼ -1 days |
| 2009 | 1 days | $8.98 Million | $7.08 Million/day | $- | $8.98 Million | ▼ -2 days |
| 2008 | 4 days | $22.47 Million | $6.23 Million/day | $- | $22.47 Million | ▼ -3 days |
| 2007 | 7 days | $35.94 Million | $5.13 Million/day | $- | $35.94 Million | ▲ +6 days |
| 2006 | 1 days | $6.15 Million | $4.77 Million/day | $- | $6.15 Million | ▼ -4 days |
| 2005 | 6 days | $23.46 Million | $4.06 Million/day | $- | $23.46 Million | — |