Western New England Bancorp Inc (WNEB) — Defensive Interval Ratio
Western New England Bancorp Inc (WNEB) has a Defensive Interval Ratio of 3695 days as of June 2026. Defensive assets of $179.61 Million (cash $-, short-term investments $170.60 Million, receivables $9.01 Million) cover 3695 days of daily cash needs of $48.60K/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Western New England Bancorp Inc Defensive Interval Ratio (2000–2025)
This chart shows how Western New England Bancorp Inc's Defensive Interval Ratio has evolved across 26 annual periods from 2000 to 2025. As of June 2026, the ratio stands at 3695 days, meaning defensive assets of $179.61 Million can fund 3695 days of operations without new revenue. For the complete balance sheet picture, see WNEB total assets.
Annual Defensive Interval Ratio for Western New England Bancorp Inc (2000–2025)
The table below presents the year-by-year Defensive Interval Ratio for Western New England Bancorp Inc from 2000 to 2025, covering 26 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 WNEB net working capital 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) |
|---|---|---|---|---|---|---|
| 2025 | 2 days | $13.78 Million | $6.50 Million/day | $- | $5.00 Million | ▼ -25 days |
| 2024 | 27 days | $169.17 Million | $6.21 Million/day | $- | $160.70 Million | ▲ +3 days |
| 2023 | 25 days | $145.64 Million | $5.92 Million/day | $- | $137.12 Million | ▼ 0 days |
| 2022 | 25 days | $155.14 Million | $6.22 Million/day | $- | $147.00 Million | ▼ -8 days |
| 2021 | 33 days | $202.13 Million | $6.18 Million/day | $- | $194.35 Million | ▼ -80 days |
| 2020 | 113 days | $210.36 Million | $1.86 Million/day | $- | $201.88 Million | ▲ +63 days |
| 2019 | 50 days | $233.02 Million | $4.69 Million/day | $- | $227.71 Million | ▼ -8 days |
| 2018 | 57 days | $259.40 Million | $4.53 Million/day | $- | $253.75 Million | ▼ -8 days |
| 2017 | 65 days | $294.36 Million | $4.52 Million/day | $- | $288.42 Million | ▼ -1 days |
| 2016 | 66 days | $305.90 Million | $4.63 Million/day | $- | $300.12 Million | ▼ 0 days |
| 2015 | 66 days | $186.47 Million | $2.82 Million/day | $- | $182.59 Million | ▼ -20 days |
| 2014 | 86 days | $219.96 Million | $2.54 Million/day | $- | $215.75 Million | ▼ -18 days |
| 2013 | 104 days | $247.41 Million | $2.37 Million/day | $- | $243.20 Million | ▼ -173 days |
| 2012 | 278 days | $626.11 Million | $2.26 Million/day | $- | $621.51 Million | ▼ -11 days |
| 2011 | 289 days | $621.56 Million | $2.15 Million/day | $- | $617.54 Million | ▲ +285 days |
| 2010 | 3 days | $6.63 Million | $2.09 Million/day | $- | $2.35 Million | ▼ -8 days |
| 2009 | 11 days | $21.71 Million | $1.98 Million/day | $- | $16.52 Million | ▲ +6 days |
| 2008 | 5 days | $7.93 Million | $1.75 Million/day | $- | $2.67 Million | ▼ -11 days |
| 2007 | 15 days | $26.78 Million | $1.75 Million/day | $- | $21.02 Million | ▼ -44 days |
| 2006 | 60 days | $107.36 Million | $1.80 Million/day | $- | $102.86 Million | ▲ +53 days |
| 2005 | 7 days | $12.17 Million | $1.75 Million/day | $- | $8.32 Million | ▼ -17 days |
| 2004 | 24 days | $40.64 Million | $1.72 Million/day | $- | $37.09 Million | ▲ +2 days |
| 2003 | 21 days | $37.49 Million | $1.77 Million/day | $- | $33.93 Million | ▼ -5 days |
| 2002 | 27 days | $48.54 Million | $1.82 Million/day | $- | $44.60 Million | ▼ 0 days |
| 2001 | 27 days | $47.07 Million | $1.76 Million/day | $- | $42.87 Million | ▲ +18 days |
| 2000 | 9 days | $15.00 Million | $1.67 Million/day | $- | $15.00 Million | — |