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. Check MTB tangible net assets ratio to evaluate the tangible quality of 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. Also explore net asset growth rate of M&T Bank Corporation to track the company's year-over-year net asset growth rate.
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 stock valuation.
| 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 | — |