Community Bank System Inc Defensive Interval Ratio
Community Bank System Inc defensive interval ratio. Community Bank System Inc (CBU) has a Defensive Interval Ratio of 4698 days as of March 2026. Defensive assets of $2.59 Billion (cash $-, short-term investments $2.53 Billion, receivables $56.56 Million) cover 4698 days of daily cash needs of $550.76K/day. See Community Bank System Inc 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
Defensive Interval Ratio of Community Bank System Inc (1989–2025)
Defensive interval ratio of Community Bank System Inc from 1989 to 2025. This chart shows how Community Bank System Inc's Defensive Interval Ratio has evolved across 37 annual periods from 1989 to 2025. As of March 2026, the ratio stands at 4698 days, meaning defensive assets of $2.59 Billion can fund 4698 days of operations without new revenue. Check CBU asset liquidity ratio to evaluate the company's liquid asset resilience ratio.
Community Bank System Inc Defensive Interval Ratio by Year (1989–2025)
Community Bank System Inc defensive interval ratio by year from 1989 to 2025. The table below presents the year-by-year Defensive Interval Ratio for Community Bank System Inc from 1989 to 2025, covering 37 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 the complete balance sheet picture, see CBU total asset value.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 4424 days | $2.93 Billion | $662.93K/day | $- | $2.88 Billion | ▲ +4415 days |
| 2024 | 10 days | $371.41 Million | $37.87 Million/day | $- | $317.07 Million | ▼ -72 days |
| 2023 | 82 days | $2.97 Billion | $36.40 Million/day | $- | $2.92 Billion | ▼ -26 days |
| 2022 | 108 days | $4.20 Billion | $39.07 Million/day | $- | $4.15 Billion | ▼ -8498 days |
| 2021 | 8606 days | $4.97 Billion | $577.53K/day | $- | $4.93 Billion | ▲ +8494 days |
| 2020 | 112 days | $3.59 Billion | $32.16 Million/day | $- | $3.55 Billion | ▼ -7 days |
| 2019 | 119 days | $3.08 Billion | $25.92 Million/day | $- | $3.04 Billion | ▼ -4 days |
| 2018 | 123 days | $2.97 Billion | $24.09 Million/day | $- | $2.94 Billion | ▼ -1 days |
| 2017 | 125 days | $3.07 Billion | $24.62 Million/day | $- | $3.03 Billion | ▼ -13 days |
| 2016 | 138 days | $2.78 Billion | $20.18 Million/day | $- | $2.75 Billion | ▼ -10 days |
| 2015 | 148 days | $2.83 Billion | $19.20 Million/day | $- | $2.81 Billion | ▼ -3 days |
| 2014 | 150 days | $2.50 Billion | $16.61 Million/day | $- | $2.47 Billion | ▲ +15 days |
| 2013 | 135 days | $2.21 Billion | $16.37 Million/day | $- | $2.19 Billion | ▼ -1 days |
| 2012 | 136 days | $2.15 Billion | $15.79 Million/day | $- | $2.12 Billion | ▲ +21 days |
| 2011 | 115 days | $1.57 Billion | $13.62 Million/day | $- | $1.54 Billion | ▲ +14 days |
| 2010 | 101 days | $1.11 Billion | $10.98 Million/day | $- | $1.09 Billion | ▼ -2 days |
| 2009 | 103 days | $1.12 Billion | $10.91 Million/day | $- | $1.10 Billion | ▼ -25 days |
| 2008 | 128 days | $1.34 Billion | $10.50 Million/day | $- | $1.31 Billion | ▼ -14 days |
| 2007 | 142 days | $1.28 Billion | $9.01 Million/day | $- | $1.25 Billion | ▲ +17 days |
| 2006 | 125 days | $1.11 Billion | $8.85 Million/day | $- | $1.08 Billion | ▲ +122 days |
| 2005 | 3 days | $24.75 Million | $8.43 Million/day | $- | $- | ▼ 0 days |
| 2004 | 3 days | $27.95 Million | $8.25 Million/day | $- | $- | ▼ 0 days |
| 2003 | 3 days | $25.85 Million | $7.57 Million/day | $- | $- | ▲ +0 days |
| 2002 | 3 days | $22.79 Million | $7.34 Million/day | $- | $- | ▲ +0 days |
| 2001 | 3 days | $22.56 Million | $7.34 Million/day | $- | $- | ▼ 0 days |
| 2000 | 4 days | $21.87 Million | $6.13 Million/day | $- | $- | ▲ +1 days |
| 1999 | 3 days | $14.20 Million | $4.66 Million/day | $- | $- | ▲ +0 days |
| 1998 | 3 days | $12.40 Million | $4.28 Million/day | $- | $- | ▼ 0 days |
| 1997 | 3 days | $13.40 Million | $4.15 Million/day | $- | $- | ▼ 0 days |
| 1996 | 3 days | $10.80 Million | $3.25 Million/day | $- | $- | ▲ +0 days |
| 1995 | 3 days | $9.20 Million | $2.88 Million/day | $- | $- | ▲ +0 days |
| 1994 | 3 days | $6.70 Million | $2.33 Million/day | $- | $- | ▼ -280 days |
| 1993 | 283 days | $4.50 Million | $15.89K/day | $- | $- | ▲ +280 days |
| 1992 | 3 days | $5.50 Million | $1.69 Million/day | $- | $- | ▲ +0 days |
| 1991 | 3 days | $4.90 Million | $1.60 Million/day | $- | $- | ▼ 0 days |
| 1990 | 3 days | $5.30 Million | $1.54 Million/day | $- | $- | ▲ +0 days |
| 1989 | 3 days | $4.70 Million | $1.46 Million/day | $- | $- | — |