NBT Bancorp Inc Asset Resilience Ratio
NBT Bancorp Inc asset resilience ratio. NBT Bancorp Inc (NBTB) has an Asset Resilience Ratio of 12.37% as of June 2026. 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 NBTB days of operational coverage to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of NBT Bancorp Inc (2000–2025)
Asset resilience ratio of NBT Bancorp Inc from 2000 to 2025. This chart shows how NBT Bancorp Inc's Asset Resilience Ratio has changed over time. Read total liabilities of NBT Bancorp Inc for a breakdown of total debt and financial obligations.
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. For the complete balance sheet picture, see NBT Bancorp Inc (NBTB) total assets.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $2.01 Billion | 12.37% |
| Total Liquid Assets | $2.01 Billion | 12.37% |
Asset Resilience Insights
- Moderate Liquidity: NBT Bancorp Inc has 12.37% 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 |
|---|---|---|
|
Societe Generale S.A.
PA:GLE |
Banks - Regional | 11.25% |
|
Itau Unibanco Banco Holding SA
NYSE:ITUB |
Banks - Regional | 3.55% |
|
Spar Nord Bank
CO:SPNO |
Banks - Regional | -3.96% |
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank Ina Perdana PT
JK:BINA |
Banks - Regional | -30.89% |
|
Bank Rakyat Indonesia Agroniaga
JK:AGRO |
Banks - Regional | 8.38% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
NBT Bancorp Inc Asset Resilience Ratio by Year (2000–2025)
NBT Bancorp Inc asset resilience ratio by year from 2000 to 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 personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments. The company offers demand deposit, savings, interest-bearing checking, money market deposit, and certificate of deposit accounts; and indirect and direct co… Read more