Bar Harbor Bankshares Inc (BHB) — Defensive Interval Ratio
Bar Harbor Bankshares Inc (BHB) has a Defensive Interval Ratio of 57 days as of December 2025. Defensive assets of $612.47 Million (cash $-, short-term investments $597.42 Million, receivables $15.05 Million) cover 57 days of daily cash needs of $10.84 Million/day. See Bar Harbor Bankshares Inc (BHB) liquidity to equity ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Bar Harbor Bankshares Inc Defensive Interval Ratio (2004–2025)
This chart shows how Bar Harbor Bankshares Inc's Defensive Interval Ratio has evolved across 22 annual periods from 2004 to 2025. As of December 2025, the ratio stands at 57 days, meaning defensive assets of $612.47 Million can fund 57 days of operations without new revenue. See BHB net asset quality index to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for Bar Harbor Bankshares Inc (2004–2025)
The table below presents the year-by-year Defensive Interval Ratio for Bar Harbor Bankshares Inc from 2004 to 2025, covering 22 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 BHB company net worth.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 57 days | $612.47 Million | $10.84 Million/day | $- | $597.42 Million | ▲ +3 days |
| 2024 | 54 days | $520.45 Million | $9.64 Million/day | $- | $520.45 Million | ▼ -4 days |
| 2023 | 58 days | $534.57 Million | $9.27 Million/day | $- | $534.57 Million | ▼ -3 days |
| 2022 | 61 days | $560.73 Million | $9.25 Million/day | $- | $559.52 Million | ▼ -2324 days |
| 2021 | 2385 days | $619.46 Million | $259.73K/day | $- | $618.28 Million | ▲ +96 days |
| 2020 | 2289 days | $586.17 Million | $256.04K/day | $- | $585.05 Million | ▲ +2210 days |
| 2019 | 80 days | $664.93 Million | $8.34 Million/day | $- | $663.23 Million | ▼ -27 days |
| 2018 | 107 days | $728.70 Million | $6.80 Million/day | $- | $725.84 Million | ▼ -4 days |
| 2017 | 111 days | $718.21 Million | $6.44 Million/day | $- | $717.24 Million | ▼ -22 days |
| 2016 | 134 days | $528.86 Million | $3.96 Million/day | $- | $528.86 Million | ▼ -11 days |
| 2015 | 144 days | $504.97 Million | $3.50 Million/day | $- | $504.97 Million | ▼ -2 days |
| 2014 | 147 days | $470.52 Million | $3.21 Million/day | $- | $470.52 Million | ▲ +4 days |
| 2013 | 143 days | $450.17 Million | $3.15 Million/day | $- | $450.17 Million | ▼ -7 days |
| 2012 | 150 days | $418.04 Million | $2.79 Million/day | $- | $418.04 Million | ▼ -643 days |
| 2011 | 793 days | $381.88 Million | $481.68K/day | $- | $381.88 Million | ▲ +663 days |
| 2010 | 129 days | $357.88 Million | $2.77 Million/day | $- | $357.88 Million | ▼ -3 days |
| 2009 | 133 days | $347.03 Million | $2.61 Million/day | $- | $347.03 Million | ▲ +15 days |
| 2008 | 118 days | $290.50 Million | $2.47 Million/day | $- | $290.50 Million | ▲ +0 days |
| 2007 | 117 days | $264.62 Million | $2.26 Million/day | $- | $264.62 Million | ▼ -327 days |
| 2006 | 444 days | $213.25 Million | $480.13K/day | $- | $213.25 Million | ▼ -65 days |
| 2005 | 509 days | $183.30 Million | $359.83K/day | $- | $183.30 Million | ▼ -207 days |
| 2004 | 716 days | $176.34 Million | $246.17K/day | $- | $176.34 Million | — |