Northpointe Bancshares, Inc. (NPB) — Defensive Interval Ratio
Northpointe Bancshares, Inc. (NPB) has a Defensive Interval Ratio of 27 days as of March 2026. Defensive assets of $31.38 Million (cash $-, short-term investments $4.88 Million, receivables $26.50 Million) cover 27 days of daily cash needs of $1.16 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Northpointe Bancshares, Inc. Defensive Interval Ratio (2020–2025)
This chart shows how Northpointe Bancshares, Inc.'s Defensive Interval Ratio has evolved across 6 annual periods from 2020 to 2025. As of March 2026, the ratio stands at 27 days, meaning defensive assets of $31.38 Million can fund 27 days of operations without new revenue. For the complete balance sheet picture, see Northpointe Bancshares, Inc. total assets.
Annual Defensive Interval Ratio for Northpointe Bancshares, Inc. (2020–2025)
The table below presents the year-by-year Defensive Interval Ratio for Northpointe Bancshares, Inc. from 2020 to 2025, covering 6 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 NPB 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 | 2 days | $33.04 Million | $13.34 Million/day | $- | $4.74 Million | ▲ +1 days |
| 2024 | 1 days | $9.75 Million | $9.38 Million/day | $- | $8.58 Million | ▼ -128 days |
| 2023 | 129 days | $145.05 Million | $1.13 Million/day | $- | $143.22 Million | ▲ +11 days |
| 2022 | 118 days | $244.80 Million | $2.08 Million/day | $- | $239.99 Million | ▼ -550 days |
| 2021 | 668 days | $179.11 Million | $268.21K/day | $- | $118.16 Million | ▲ +353 days |
| 2020 | 315 days | $76.06 Million | $241.36K/day | $- | $4.82 Million | — |