M&T Bank Corporation (MTB) — Defensive Interval Ratio
M&T Bank Corporation (MTB) has a Defensive Interval Ratio of 3036 days as of June 2026. Defensive assets of $38.37 Billion (cash $-, short-term investments $38.37 Billion, receivables $-) cover 3036 days of daily cash needs of $12.64 Million/day.
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 June 2026, the ratio stands at 3036 days, meaning defensive assets of $38.37 Billion can fund 3036 days of operations without new revenue. For the complete balance sheet picture, see M&T Bank Corporation (MTB) total assets.
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. See MTB current assets to equity ratio to evaluate short-term liquidity relative to the company's equity base.
| 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 | — |