NBT Bancorp Inc (NBTB) — Defensive Interval Ratio
NBT Bancorp Inc (NBTB) has a Defensive Interval Ratio of 4592 days as of December 2025. Defensive assets of $1.86 Billion (cash $-, short-term investments $1.86 Billion, receivables $-) cover 4592 days of daily cash needs of $405.67K/day. See working capital position of NBT Bancorp Inc to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
NBT Bancorp Inc Defensive Interval Ratio (2000–2025)
This chart shows how NBT Bancorp Inc's Defensive Interval Ratio has evolved across 26 annual periods from 2000 to 2025. As of December 2025, the ratio stands at 4592 days, meaning defensive assets of $1.86 Billion can fund 4592 days of operations without new revenue. See net asset quality index of NBT Bancorp Inc to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for NBT Bancorp Inc (2000–2025)
The table below presents the year-by-year Defensive Interval Ratio for NBT Bancorp Inc from 2000 to 2025, covering 26 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 live market cap and the full company financial profile, see NBTB company net worth.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 4592 days | $1.86 Billion | $405.67K/day | $- | $1.86 Billion | ▲ +4588 days |
| 2024 | 4 days | $136.37 Million | $32.08 Million/day | $- | $136.37 Million | ▼ -42 days |
| 2023 | 46 days | $1.43 Billion | $31.11 Million/day | $- | $1.43 Billion | ▼ -301 days |
| 2022 | 347 days | $9.58 Billion | $27.62 Million/day | $- | $1.53 Billion | ▲ +25 days |
| 2021 | 321 days | $9.09 Billion | $28.31 Million/day | $- | $1.69 Billion | ▲ +268 days |
| 2020 | 53 days | $1.35 Billion | $25.34 Million/day | $- | $1.35 Billion | ▲ +10 days |
| 2019 | 43 days | $975.34 Million | $22.58 Million/day | $- | $975.34 Million | ▼ -1 days |
| 2018 | 44 days | $998.50 Million | $22.58 Million/day | $- | $998.50 Million | ▼ -14 days |
| 2017 | 58 days | $1.26 Billion | $21.62 Million/day | $- | $1.26 Billion | ▼ -6 days |
| 2016 | 64 days | $1.34 Billion | $20.97 Million/day | $- | $1.34 Billion | ▲ +3 days |
| 2015 | 61 days | $1.17 Billion | $19.31 Million/day | $- | $1.17 Billion | ▲ +5 days |
| 2014 | 56 days | $1.01 Billion | $18.13 Million/day | $- | $1.01 Billion | ▼ -23 days |
| 2013 | 78 days | $1.36 Billion | $17.39 Million/day | $- | $1.36 Billion | ▼ -6 days |
| 2012 | 85 days | $1.15 Billion | $13.55 Million/day | $- | $1.15 Billion | ▼ -2417 days |
| 2011 | 2502 days | $1.24 Billion | $497.51K/day | $- | $1.24 Billion | ▼ -84 days |
| 2010 | 2586 days | $1.13 Billion | $436.81K/day | $- | $1.13 Billion | ▲ +2490 days |
| 2009 | 96 days | $1.12 Billion | $11.64 Million/day | $- | $1.12 Billion | ▼ -3 days |
| 2008 | 99 days | $1.12 Billion | $11.31 Million/day | $- | $1.12 Billion | ▲ +1 days |
| 2007 | 98 days | $1.14 Billion | $11.62 Million/day | $- | $1.14 Billion | ▲ +1 days |
| 2006 | 97 days | $1.11 Billion | $11.35 Million/day | $- | $1.11 Billion | ▲ +1 days |
| 2005 | 97 days | $954.47 Million | $9.88 Million/day | $- | $954.47 Million | ▼ -5 days |
| 2004 | 102 days | $952.54 Million | $9.35 Million/day | $- | $952.54 Million | ▲ +102 days |
| 2003 | 0 days | $2.45 Million | $9.05 Million/day | $- | $2.45 Million | ▼ 0 days |
| 2002 | 0 days | $2.80 Million | $8.29 Million/day | $- | $2.80 Million | ▼ 0 days |
| 2001 | 1 days | $6.76 Million | $8.32 Million/day | $- | $6.76 Million | ▼ -1 days |
| 2000 | 2 days | $14.23 Million | $8.30 Million/day | $- | $14.23 Million | — |