Southside Bancshares, Inc. Defensive Interval Ratio
Southside Bancshares, Inc. defensive interval ratio. Southside Bancshares, Inc. (SBSI) has a Defensive Interval Ratio of 812 days as of March 2026. Defensive assets of $1.49 Billion (cash $-, short-term investments $1.46 Billion, receivables $35.98 Million) cover 812 days of daily cash needs of $1.84 Million/day. See working capital position of Southside Bancshares, Inc. to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Defensive Interval Ratio of Southside Bancshares, Inc. (1995–2025)
Defensive interval ratio of Southside Bancshares, Inc. from 1995 to 2025. This chart shows how Southside Bancshares, Inc.'s Defensive Interval Ratio has evolved across 31 annual periods from 1995 to 2025. As of March 2026, the ratio stands at 812 days, meaning defensive assets of $1.49 Billion can fund 812 days of operations without new revenue. Check SBSI cash and liquid asset ratio to evaluate the company's liquid asset resilience ratio.
Southside Bancshares, Inc. Defensive Interval Ratio by Year (1995–2025)
Southside Bancshares, Inc. defensive interval ratio by year from 1995 to 2025. The table below presents the year-by-year Defensive Interval Ratio for Southside Bancshares, Inc. from 1995 to 2025, covering 31 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 the complete balance sheet picture, see how large is Southside Bancshares, Inc.'s balance sheet.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 65 days | $1.30 Billion | $19.96 Million/day | $- | $1.26 Billion | ▲ +3 days |
| 2024 | 63 days | $1.16 Billion | $18.44 Million/day | $- | $1.11 Billion | ▼ -12 days |
| 2023 | 75 days | $1.35 Billion | $17.94 Million/day | $- | $1.30 Billion | ▼ -158 days |
| 2022 | 233 days | $1.35 Billion | $5.79 Million/day | $- | $1.30 Billion | ▲ +54 days |
| 2021 | 179 days | $2.80 Billion | $15.68 Million/day | $- | $2.76 Billion | ▼ -16 days |
| 2020 | 194 days | $2.63 Billion | $13.51 Million/day | $- | $2.59 Billion | ▼ -236 days |
| 2019 | 430 days | $2.39 Billion | $5.55 Million/day | $- | $2.36 Billion | ▲ +265 days |
| 2018 | 165 days | $2.02 Billion | $12.22 Million/day | $- | $1.99 Billion | ▲ +39 days |
| 2017 | 126 days | $1.57 Billion | $12.40 Million/day | $- | $1.54 Billion | ▲ +2 days |
| 2016 | 125 days | $1.50 Billion | $12.07 Million/day | $- | $1.48 Billion | ▼ -7 days |
| 2015 | 132 days | $1.48 Billion | $11.24 Million/day | $- | $1.46 Billion | ▲ +99 days |
| 2014 | 33 days | $329.14 Million | $10.07 Million/day | $- | $306.71 Million | ▼ -18 days |
| 2013 | 50 days | $359.40 Million | $7.13 Million/day | $- | $337.43 Million | ▼ -42 days |
| 2012 | 93 days | $636.64 Million | $6.86 Million/day | $- | $617.71 Million | ▲ +52 days |
| 2011 | 41 days | $302.38 Million | $7.36 Million/day | $- | $282.96 Million | ▲ +34 days |
| 2010 | 7 days | $40.92 Million | $5.87 Million/day | $- | $22.89 Million | ▲ +3 days |
| 2009 | 4 days | $20.30 Million | $5.17 Million/day | $- | $1.82 Million | ▼ -1 days |
| 2008 | 4 days | $19.06 Million | $4.30 Million/day | $- | $2.71 Million | ▲ +2 days |
| 2007 | 3 days | $13.75 Million | $5.19 Million/day | $- | $1.96 Million | ▼ 0 days |
| 2006 | 3 days | $12.59 Million | $4.43 Million/day | $- | $2.48 Million | ▲ +0 days |
| 2005 | 3 days | $9.85 Million | $3.91 Million/day | $- | $550.00K | ▼ 0 days |
| 2004 | 3 days | $9.10 Million | $3.15 Million/day | $- | $550.00K | ▲ +0 days |
| 2003 | 3 days | $8.43 Million | $2.93 Million/day | $- | $- | ▼ 0 days |
| 2002 | 3 days | $8.93 Million | $2.70 Million/day | $- | $- | ▼ 0 days |
| 2001 | 3 days | $8.62 Million | $2.47 Million/day | $- | $- | ▼ 0 days |
| 2000 | 4 days | $9.12 Million | $2.40 Million/day | $- | $- | ▲ +0 days |
| 1999 | 4 days | $7.60 Million | $2.12 Million/day | $- | $- | ▲ +0 days |
| 1998 | 3 days | $6.10 Million | $1.75 Million/day | $- | $- | ▲ +1 days |
| 1997 | 3 days | $3.92 Million | $1.36 Million/day | $- | $- | ▲ +0 days |
| 1996 | 3 days | $3.30 Million | $1.18 Million/day | $- | $- | ▼ 0 days |
| 1995 | 3 days | $3.10 Million | $1.08 Million/day | $- | $- | — |