Byline Bancorp Inc (BY) — Defensive Interval Ratio
Byline Bancorp Inc (BY) has a Defensive Interval Ratio of 111 days as of December 2025. Defensive assets of $1.44 Billion (cash $-, short-term investments $1.41 Billion, receivables $39.82 Million) cover 111 days of daily cash needs of $13.05 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Byline Bancorp Inc Defensive Interval Ratio (2015–2025)
This chart shows how Byline Bancorp Inc's Defensive Interval Ratio has evolved across 11 annual periods from 2015 to 2025. As of December 2025, the ratio stands at 111 days, meaning defensive assets of $1.44 Billion can fund 111 days of operations without new revenue. For the complete balance sheet picture, see total assets of Byline Bancorp Inc.
Annual Defensive Interval Ratio for Byline Bancorp Inc (2015–2025)
The table below presents the year-by-year Defensive Interval Ratio for Byline Bancorp Inc from 2015 to 2025, covering 11 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 BY working capital efficiency 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 | 111 days | $1.44 Billion | $13.05 Million/day | $- | $1.41 Billion | ▲ +16 days |
| 2024 | 95 days | $1.95 Billion | $20.58 Million/day | $- | $1.17 Billion | ▼ -10 days |
| 2023 | 105 days | $2.08 Billion | $19.87 Million/day | $- | $1.34 Billion | ▼ -153533 days |
| 2022 | 153638 days | $1.89 Billion | $12.31K/day | $- | $1.17 Billion | ▼ -2534122 days |
| 2021 | 2687760 days | $1.93 Billion | $717.81/day | $- | $1.45 Billion | ▲ +2687622 days |
| 2020 | 137 days | $1.83 Billion | $13.34 Million/day | $- | $1.45 Billion | ▼ -141140 days |
| 2019 | 141278 days | $1.42 Billion | $10.07K/day | $- | $1.19 Billion | ▲ +141180 days |
| 2018 | 98 days | $1.03 Billion | $10.49 Million/day | $- | $817.66 Million | ▼ -19 days |
| 2017 | 117 days | $804.89 Million | $6.90 Million/day | $- | $583.24 Million | ▲ +7 days |
| 2016 | 110 days | $774.39 Million | $7.05 Million/day | $- | $608.56 Million | ▼ -303808 days |
| 2015 | 303918 days | $892.60 Million | $2.94K/day | $- | $767.73 Million | — |