NBT Bancorp Inc Defensive Interval Ratio
NBT Bancorp Inc defensive interval ratio. NBT Bancorp Inc (NBTB) has a Defensive Interval Ratio of 2314 days as of June 2026. Defensive assets of $2.01 Billion (cash $-, short-term investments $2.01 Billion, receivables $-) cover 2314 days of daily cash needs of $866.95K/day. See NBTB net working capital ratio 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 NBT Bancorp Inc (2000–2025)
Defensive interval ratio of NBT Bancorp Inc from 2000 to 2025. This chart shows how NBT Bancorp Inc's Defensive Interval Ratio has evolved across 26 annual periods from 2000 to 2025. As of June 2026, the ratio stands at 2314 days, meaning defensive assets of $2.01 Billion can fund 2314 days of operations without new revenue. Check how resilient are NBT Bancorp Inc's assets to evaluate the company's liquid asset resilience ratio.
NBT Bancorp Inc Defensive Interval Ratio by Year (2000–2025)
NBT Bancorp Inc defensive interval ratio by year from 2000 to 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 the complete balance sheet picture, see NBTB current and non-current assets.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 4720 days | $1.91 Billion | $405.67K/day | $- | $1.86 Billion | ▲ +4716 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 | — |