NBT Bancorp Inc - Asset Resilience Ratio
NBT Bancorp Inc (NBTB) has an Asset Resilience Ratio of 11.65% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. See NBT Bancorp Inc (NBTB) liquidity to equity ratio to evaluate short-term liquidity relative to the company's equity base.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how NBT Bancorp Inc's Asset Resilience Ratio has changed over time. For the complete balance sheet picture, see NBTB current and non-current assets.
Liquid Assets Composition Over Time
This chart breaks down NBT Bancorp Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. Explore long-term investment intensity of NBT Bancorp Inc to see how much of total assets are deployed in long-term investments.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $1.86 Billion | 11.65% |
| Total Liquid Assets | $1.86 Billion | 11.65% |
Asset Resilience Insights
- Moderate Liquidity: NBT Bancorp Inc has 11.65% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- The company has significant short-term investments, indicating active treasury management.
NBT Bancorp Inc Industry Peers by Asset Resilience Ratio
Compare NBT Bancorp Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Santander Bank Polska S.A.
WAR:SPL |
Banks - Regional | 4.41% |
|
Banco Santander Chile
NYSE:BSAC |
Banks - Regional | 7.94% |
|
Bank of Baroda
NSE:BANKBARODA |
Banks - Regional | -12.63% |
|
Turkiye Is Bankasi AS Class C
IS:ISCTR |
Banks - Regional | -38.78% |
|
Ringkjoebing Landbobank A/S
CO:RILBA |
Banks - Regional | 0.03% |
|
ABSA Bank Limited
JSE:ABSP |
Banks - Regional | 2.72% |
|
Mechanics Bank
NASDAQ:MCHB |
Banks - Regional | 18.39% |
|
Laurentian Bank Of Canada
TO:LB |
Banks - Regional | 0.55% |
Annual Asset Resilience Ratio for NBT Bancorp Inc (2000–2025)
The table below shows the annual Asset Resilience Ratio data for NBT Bancorp Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 11.65% | $1.86 Billion | $16.00 Billion | +10.66pp |
| 2024-12-31 | 0.99% | $136.37 Million | $13.79 Billion | -9.76pp |
| 2023-12-31 | 10.75% | $1.43 Billion | $13.31 Billion | -2.26pp |
| 2022-12-31 | 13.01% | $1.53 Billion | $11.74 Billion | -1.04pp |
| 2021-12-31 | 14.05% | $1.69 Billion | $12.01 Billion | +1.71pp |
| 2020-12-31 | 12.34% | $1.35 Billion | $10.93 Billion | +2.30pp |
| 2019-12-31 | 10.04% | $975.34 Million | $9.72 Billion | -0.41pp |
| 2018-12-31 | 10.45% | $998.50 Million | $9.56 Billion | -3.30pp |
| 2017-12-31 | 13.75% | $1.26 Billion | $9.14 Billion | -1.35pp |
| 2016-12-31 | 15.09% | $1.34 Billion | $8.87 Billion | +0.88pp |
| 2015-12-31 | 14.22% | $1.17 Billion | $8.26 Billion | +1.22pp |
| 2014-12-31 | 12.99% | $1.01 Billion | $7.80 Billion | -4.84pp |
| 2013-12-31 | 17.84% | $1.36 Billion | $7.65 Billion | -1.16pp |
| 2012-12-31 | 19.00% | $1.15 Billion | $6.04 Billion | -3.23pp |
| 2011-12-31 | 22.23% | $1.24 Billion | $5.60 Billion | +1.08pp |
| 2010-12-31 | 21.15% | $1.13 Billion | $5.34 Billion | +0.72pp |
| 2009-12-31 | 20.44% | $1.12 Billion | $5.46 Billion | -0.54pp |
| 2008-12-31 | 20.98% | $1.12 Billion | $5.34 Billion | -0.93pp |
| 2007-12-31 | 21.92% | $1.14 Billion | $5.20 Billion | +0.17pp |
| 2006-12-31 | 21.75% | $1.11 Billion | $5.09 Billion | +0.18pp |
| 2005-12-31 | 21.56% | $954.47 Million | $4.43 Billion | -1.05pp |
| 2004-12-31 | 22.61% | $952.54 Million | $4.21 Billion | +22.55pp |
| 2003-12-31 | 0.06% | $2.45 Million | $4.05 Billion | -0.01pp |
| 2002-12-31 | 0.08% | $2.80 Million | $3.72 Billion | -0.11pp |
| 2001-12-31 | 0.19% | $6.76 Million | $3.64 Billion | -0.21pp |
| 2000-12-31 | 0.39% | $14.23 Million | $3.61 Billion | -- |
About NBT Bancorp Inc
NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. The company's loan portfolio comprises indirect and direct consumer, home equity, mortgages, business banking loans, and commercia… Read more