Virginia National Bankshares Corp (VABK) — Defensive Interval Ratio
Virginia National Bankshares Corp (VABK) has a Defensive Interval Ratio of 15 days as of December 2025. Defensive assets of $60.48 Million (cash $-, short-term investments $54.26 Million, receivables $6.21 Million) cover 15 days of daily cash needs of $3.92 Million/day. See Virginia National Bankshares Corp working capital to net assets to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Virginia National Bankshares Corp Defensive Interval Ratio (2001–2025)
This chart shows how Virginia National Bankshares Corp's Defensive Interval Ratio has evolved across 21 annual periods from 2001 to 2025. As of December 2025, the ratio stands at 15 days, meaning defensive assets of $60.48 Million can fund 15 days of operations without new revenue. See net asset quality index of Virginia National Bankshares Corp to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Virginia National Bankshares Corp (2001–2025)
The table below presents the year-by-year Defensive Interval Ratio for Virginia National Bankshares Corp from 2001 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 Virginia National Bankshares Corp (VABK) total market value.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 15 days | $60.48 Million | $3.92 Million/day | $- | $54.26 Million | ▲ +12 days |
| 2024 | 3 days | $12.03 Million | $3.90 Million/day | $- | $12.03 Million | ▼ -109 days |
| 2023 | 112 days | $434.88 Million | $3.88 Million/day | $- | $420.60 Million | ▼ -24 days |
| 2022 | 136 days | $551.69 Million | $4.06 Million/day | $- | $538.19 Million | ▲ +72 days |
| 2021 | 64 days | $317.12 Million | $4.93 Million/day | $- | $303.82 Million | ▼ -26 days |
| 2020 | 90 days | $180.43 Million | $2.01 Million/day | $- | $174.09 Million | ▲ +18 days |
| 2019 | 72 days | $123.20 Million | $1.72 Million/day | $- | $114.04 Million | ▲ +29 days |
| 2018 | 43 days | $67.26 Million | $1.57 Million/day | $- | $61.39 Million | ▼ -4 days |
| 2017 | 47 days | $73.92 Million | $1.59 Million/day | $- | $67.50 Million | ▲ +4 days |
| 2016 | 42 days | $63.36 Million | $1.50 Million/day | $- | $56.66 Million | ▼ -15 days |
| 2015 | 57 days | $80.04 Million | $1.40 Million/day | $- | $74.80 Million | ▼ -56 days |
| 2014 | 113 days | $147.62 Million | $1.31 Million/day | $- | $141.82 Million | ▼ -7 days |
| 2013 | 120 days | $149.81 Million | $1.25 Million/day | $- | $133.03 Million | ▲ +22 days |
| 2012 | 98 days | $121.97 Million | $1.24 Million/day | $- | $110.85 Million | ▼ -4831 days |
| 2011 | 4929 days | $44.57 Million | $9.04K/day | $- | $44.57 Million | ▲ +4923 days |
| 2006 | 6 days | $4.75 Million | $742.25K/day | $- | $- | ▲ +1 days |
| 2005 | 5 days | $3.63 Million | $705.25K/day | $- | $- | ▲ +1 days |
| 2004 | 4 days | $2.99 Million | $692.88K/day | $- | $- | ▼ 0 days |
| 2003 | 4 days | $2.35 Million | $524.07K/day | $- | $- | ▲ +0 days |
| 2002 | 4 days | $1.67 Million | $411.75K/day | $- | $- | ▲ +0 days |
| 2001 | 4 days | $1.31 Million | $340.78K/day | $- | $- | — |