Ameris Bancorp (ABCB) — Defensive Interval Ratio
Ameris Bancorp (ABCB) has a Defensive Interval Ratio of 12 days as of March 2026. Defensive assets of $744.32 Million (cash $-, short-term investments $247.69 Million, receivables $496.63 Million) cover 12 days of daily cash needs of $64.45 Million/day. See ABCB working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Ameris Bancorp Defensive Interval Ratio (2000–2025)
This chart shows how Ameris Bancorp's Defensive Interval Ratio has evolved across 26 annual periods from 2000 to 2025. As of March 2026, the ratio stands at 12 days, meaning defensive assets of $744.32 Million can fund 12 days of operations without new revenue. See ABCB net asset quality score to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Ameris Bancorp (2000–2025)
The table below presents the year-by-year Defensive Interval Ratio for Ameris Bancorp 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. For live market cap and the full company financial profile, see market value of Ameris Bancorp.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 1560 days | $2.29 Billion | $1.47 Million/day | $- | $2.21 Billion | ▲ +1532 days |
| 2024 | 28 days | $1.67 Billion | $59.51 Million/day | $- | $1.67 Billion | ▲ +3 days |
| 2023 | 25 days | $1.40 Billion | $56.74 Million/day | $- | $1.40 Billion | ▼ -3 days |
| 2022 | 28 days | $1.50 Billion | $53.32 Million/day | $- | $1.50 Billion | ▲ +5 days |
| 2021 | 23 days | $592.62 Million | $25.37 Million/day | $- | $592.62 Million | ▼ -312 days |
| 2020 | 335 days | $15.26 Billion | $45.56 Million/day | $- | $982.88 Million | ▲ +300 days |
| 2019 | 35 days | $1.40 Billion | $40.10 Million/day | $- | $1.40 Billion | ▼ -50416 days |
| 2018 | 50451 days | $9.68 Billion | $191.78K/day | $- | $1.19 Billion | ▲ +50072 days |
| 2017 | 378 days | $6.83 Billion | $18.05 Million/day | $- | $810.87 Million | ▼ -50700 days |
| 2016 | 51078 days | $5.44 Billion | $106.44K/day | $- | $822.74 Million | ▲ +39071 days |
| 2015 | 12007 days | $789.49 Million | $65.75K/day | $- | $783.18 Million | ▲ +3290 days |
| 2014 | 8717 days | $573.16 Million | $65.75K/day | $- | $541.80 Million | ▲ +8652 days |
| 2013 | 65 days | $551.68 Million | $8.47 Million/day | $- | $486.24 Million | ▼ -4 days |
| 2012 | 69 days | $506.63 Million | $7.33 Million/day | $- | $346.91 Million | ▼ -11 days |
| 2011 | 80 days | $582.36 Million | $7.26 Million/day | $- | $339.97 Million | ▲ +54 days |
| 2010 | 27 days | $189.63 Million | $7.13 Million/day | $- | $12.44 Million | ▲ +18 days |
| 2009 | 9 days | $53.10 Million | $5.97 Million/day | $- | $7.26 Million | ▲ +7 days |
| 2008 | 2 days | $8.63 Million | $5.59 Million/day | $- | $8.63 Million | ▼ -54 days |
| 2007 | 55 days | $267.34 Million | $4.85 Million/day | $- | $267.34 Million | ▼ -1 days |
| 2006 | 57 days | $267.34 Million | $4.73 Million/day | $- | $267.34 Million | ▲ +38 days |
| 2005 | 19 days | $70.85 Million | $3.80 Million/day | $- | $70.85 Million | ▼ -7 days |
| 2004 | 26 days | $69.62 Million | $2.72 Million/day | $- | $69.62 Million | ▲ +11 days |
| 2003 | 14 days | $35.63 Million | $2.51 Million/day | $- | $35.63 Million | ▼ -17 days |
| 2002 | 31 days | $77.98 Million | $2.53 Million/day | $- | $77.98 Million | ▼ -11 days |
| 2001 | 41 days | $106.22 Million | $2.56 Million/day | $- | $106.22 Million | ▲ +39 days |
| 2000 | 3 days | $4.95 Million | $1.95 Million/day | $- | $4.95 Million | — |