Community Bank System Inc (CBU) — Defensive Interval Ratio
Community Bank System Inc (CBU) has a Defensive Interval Ratio of 4424 days as of December 2025. Defensive assets of $2.93 Billion (cash $-, short-term investments $2.88 Billion, receivables $57.73 Million) cover 4424 days of daily cash needs of $662.93K/day. Check how tangible is Community Bank System Inc's equity to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Community Bank System Inc Defensive Interval Ratio (1989–2025)
This chart shows how Community Bank System Inc's Defensive Interval Ratio has evolved across 37 annual periods from 1989 to 2025. As of December 2025, the ratio stands at 4424 days, meaning defensive assets of $2.93 Billion can fund 4424 days of operations without new revenue. Also explore net asset momentum of Community Bank System Inc to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for Community Bank System Inc (1989–2025)
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 live market cap and the full company financial profile, see CBU company net worth.
| 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 | $- | $- | — |