M&T Bank Corporation (MTB) — Defensive Interval Ratio
M&T Bank Corporation (MTB) has a Defensive Interval Ratio of 82 days as of March 2026. Defensive assets of $38.71 Billion (cash $-, short-term investments $38.71 Billion, receivables $-) cover 82 days of daily cash needs of $470.12 Million/day. See MTB current assets 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
M&T Bank Corporation Defensive Interval Ratio (1989–2025)
This chart shows how M&T Bank Corporation's Defensive Interval Ratio has evolved across 37 annual periods from 1989 to 2025. As of March 2026, the ratio stands at 82 days, meaning defensive assets of $38.71 Billion can fund 82 days of operations without new revenue. See M&T Bank Corporation balance sheet independence to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for M&T Bank Corporation (1989–2025)
The table below presents the year-by-year Defensive Interval Ratio for M&T Bank Corporation 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 M&T Bank Corporation market cap and net worth.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 77 days | $36.65 Billion | $475.13 Million/day | $- | $36.65 Billion | ▲ +45 days |
| 2024 | 33 days | $14.45 Billion | $444.26 Million/day | $- | $14.45 Billion | ▲ +5 days |
| 2023 | 28 days | $13.25 Billion | $474.26 Million/day | $- | $10.44 Billion | ▼ 0 days |
| 2022 | 28 days | $13.33 Billion | $469.72 Million/day | $- | $10.75 Billion | ▲ +15 days |
| 2021 | 14 days | $5.05 Billion | $366.35 Million/day | $- | $3.96 Billion | ▼ -4 days |
| 2020 | 18 days | $6.07 Billion | $334.33 Million/day | $- | $4.82 Billion | ▼ -11 days |
| 2019 | 29 days | $7.73 Billion | $266.50 Million/day | $- | $6.32 Billion | ▼ -9 days |
| 2018 | 38 days | $10.09 Billion | $264.66 Million/day | $- | $8.68 Billion | ▼ -9 days |
| 2017 | 47 days | $12.32 Billion | $259.72 Million/day | $- | $10.90 Billion | ▼ -7 days |
| 2016 | 55 days | $14.75 Billion | $270.46 Million/day | $- | $13.33 Billion | ▲ +4 days |
| 2015 | 51 days | $13.60 Billion | $268.11 Million/day | $- | $12.24 Billion | ▲ +1 days |
| 2014 | 50 days | $10.49 Billion | $210.25 Million/day | $- | $9.16 Billion | ▲ +19 days |
| 2013 | 31 days | $5.93 Billion | $192.19 Million/day | $- | $4.53 Billion | ▼ -2 days |
| 2012 | 33 days | $6.21 Billion | $190.68 Million/day | $- | $4.74 Billion | ▼ -11 days |
| 2011 | 43 days | $7.76 Billion | $178.51 Million/day | $- | $6.23 Billion | ▼ -4 days |
| 2010 | 47 days | $7.06 Billion | $149.37 Million/day | $- | $5.41 Billion | ▼ -11 days |
| 2009 | 59 days | $8.58 Billion | $146.60 Million/day | $- | $6.70 Billion | ▼ -4 days |
| 2008 | 63 days | $8.57 Billion | $136.84 Million/day | $- | $6.85 Billion | ▼ -9 days |
| 2007 | 72 days | $10.00 Billion | $138.85 Million/day | $- | $8.38 Billion | ▲ +5 days |
| 2006 | 67 days | $8.25 Billion | $123.06 Million/day | $- | $6.83 Billion | ▼ -10 days |
| 2005 | 77 days | $9.22 Billion | $119.04 Million/day | $- | $7.93 Billion | ▲ +60 days |
| 2004 | 17 days | $1.91 Billion | $111.95 Million/day | $- | $189.12 Million | ▼ -2 days |
| 2003 | 19 days | $1.97 Billion | $105.68 Million/day | $- | $237.12 Million | ▼ -3 days |
| 2002 | 22 days | $1.53 Billion | $69.85 Million/day | $- | $371.99 Million | ▲ +5 days |
| 2001 | 17 days | $1.16 Billion | $68.63 Million/day | $- | $80.02 Million | ▼ 0 days |
| 2000 | 17 days | $1.06 Billion | $62.56 Million/day | $- | $54.69 Million | ▼ -22 days |
| 1999 | 39 days | $2.00 Billion | $51.61 Million/day | $- | $1.28 Billion | ▲ +20 days |
| 1998 | 18 days | $880.70 Million | $47.71 Million/day | $- | $173.10 Million | ▲ +3 days |
| 1997 | 16 days | $546.30 Million | $34.37 Million/day | $- | $57.30 Million | ▲ +7 days |
| 1996 | 9 days | $294.70 Million | $32.49 Million/day | $- | $37.30 Million | ▼ 0 days |
| 1995 | 9 days | $275.00 Million | $29.91 Million/day | $- | $9.70 Million | ▼ 0 days |
| 1994 | 10 days | $255.30 Million | $26.61 Million/day | $- | $5.40 Million | ▲ +4 days |
| 1993 | 6 days | $155.40 Million | $26.21 Million/day | $- | $9.80 Million | ▼ -3 days |
| 1992 | 9 days | $219.40 Million | $24.34 Million/day | $- | $53.50 Million | ▼ 0 days |
| 1991 | 9 days | $213.50 Million | $23.63 Million/day | $- | $43.00 Million | ▲ +3 days |
| 1990 | 6 days | $125.30 Million | $19.65 Million/day | $- | $125.30 Million | ▲ +2 days |
| 1989 | 5 days | $72.60 Million | $15.63 Million/day | $- | $72.60 Million | — |