In the wake of the increase in Current Liabilities in the third quarter 2026, Quick Ratio fell to 0.78 below Nbt Bancorp Inc average.

Within Commercial Banks industry 2 other companies have achieved higher Quick Ratio than Nbt Bancorp Inc in third quarter 2026. While Quick Ratio total ranking has improved so far during the Q3 2026 to 1869, from total ranking in the second quarter 2026 at 3240.

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NBTB Quick Ratio	(Sep 30 2026) Q3	(Jun 30 2026) Q2	(Mar 31 2026) Q1	(Dec 31 2025) Q4	(Sep 30 2025) Q3
Y / Y Current Liabilities Change	198.71 %	180.11 %	37.63 %	-9.13 %	-32.31 %
Y / Y Cash & cash equivalent Change	-84.35 %	-85.22 %	7.74 %	9.35 %	16.98 %
Quick Ratio MRQ	0.78	0.93	17.57	32.21	14.84
NBTB's Total Ranking	# 1869	# 3240	# 2204	# 1772	#
Seq. Current Liabilities Change	30.96 %	168.61 %	-20.44 %	6.73 %	22.8 %
Seq. Cash & cash equivalent Change	9.35 %	-85.77 %	-56.6 %	131.66 %	3.25 %

Quick Ratio third quarter 2026 Company Ranking
Within:	No.
Commercial Banks Industry	# 3
Financial Sector	# 414
Overall Market	# 1869

Quick Ratio Statistics
High	Average	Low
23.59	1.6	0.14
(Dec 31 2020)		(Sep 30 2023)

Financial Statements
Nbt Bancorp Inc's Current Liabilities	$ 414 Millions	Visit NBTB's Balance sheet
Nbt Bancorp Inc's Cash & cash equivalent	$ 322 Millions	Visit NBTB's Balance sheet
Source of NBTB's Sales		Visit NBTB's Sales by Geography

Cumulative Nbt Bancorp Inc's Quick Ratio

NBTB's Quick Ratio for the trailling 12 Months

NBTB Quick Ratio	(Sep 30 2026) 12 Months	(Jun 30 2026) 12 Months	(Mar 31 2026) 12 Months	(Dec 31 2025) 12 Months	(Sep 30 2025) 12 Months
Y / Y Current Liabilities TTM Growth	99.25 %	27.29 %	-23.68 %	-43.55 %	-53.95 %
Y / Y Cash & cash equivalent TTM Growth	-27.86 %	-8.41 %	12.82 %	15.35 %	13.47 %
Quick Ratio TTM	7.48	12.75	21.05	22.14	20.66
Total Ranking TTM	# 3924	# 4532	#	#	#
Seq. Current Liabilities TTM Growth	38.23 %	39.31 %	6.64 %	-2.97 %	-11.69 %
Seq. Cash & cash equivalent TTM Growth	-18.89 %	-15.6 %	1.38 %	3.94 %	2.98 %

Quick ratio ranking by company, industry and sector >> Back to NBTB Financial Strength Comparisons >> Go to Compare NBTB Quick Ratio to its Competitors

On the trailing twelve months basis Due to growth in Current Liabilities in the Q3 2026 to $414.40 millions, cumulative Quick Ratio decreased to 7.48 above the NBTB average Quick Ratio.
Quick Ratio is the average cumulative value over the last four quarters.

Among companies operating within Commercial Banks industry 61 other companies have achieved higher Quick Ratio than Nbt Bancorp Inc. While Quick Ratio total ranking has deteriorated compared to the previous twelve months ending in the second quarter 2026 from 3965 to 4140.

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How much Cash & cash equivalents NBTB�s has?
What are NBTB�s Current Liabilities?

TTM Quick Ratio Company Ranking
Within:	No.
Within the Commercial Banks Industry	# 62
Financial Sector	# 633
Within the Market	#

trailing twelve months Quick Ratio Statistics
High	Average	Low
0.12	0.04	0.02
(Dec 31 2021)

Companies with similar Quick Ratio in the quarter ending Sep 30 2026, within Commercial Banks Industry	Quick Ratio	Sep 30 2026 MRQ Cash & cash equivalent	Sep 30 2026 MRQ Current Liabilities
Hope Bancorp Inc	2.08	$ 3,379.458 Millions	$ 1,627.450 Millions
Bok Financial Corp	1.99	$ 5,322.245 Millions	$ 2,667.922 Millions
Bank Of America Corporation	1.41	$ 1,091,677.000 Millions	$ 773,510.000 Millions
Fulton Financial Corp	1.41	$ 1,113.212 Millions	$ 790.035 Millions
Wells Fargo and Company	1.10	$ 385,808.000 Millions	$ 351,970.000 Millions
Fnb Corp	1.09	$ 4,425.000 Millions	$ 4,060.000 Millions
First Horizon Corp	1.04	$ 4,601.000 Millions	$ 4,441.000 Millions
First Commonwealth Financial Corp	0.79	$ 133.211 Millions	$ 167.672 Millions
Camden National Corp	0.78	$ 248.570 Millions	$ 318.813 Millions
Nbt Bancorp Inc	0.78	$ 322.200 Millions	$ 414.397 Millions
First Financial Bancorp	0.71	$ 742.880 Millions	$ 1,047.093 Millions
Cullen	0.69	$ 7,152.030 Millions	$ 10,434.061 Millions
Umb Financial Corp	0.66	$ 4,651.108 Millions	$ 7,069.488 Millions
City Holding Company	0.55	$ 201.379 Millions	$ 367.385 Millions
Jpmorgan Chase and Co	0.51	$ 615,179.000 Millions	$ 1,215,221.000 Millions
Alerus Financial Corp	0.33	$ 140.839 Millions	$ 421.577 Millions
Keycorp	0.25	$ 2,465.000 Millions	$ 10,055.000 Millions

Date modified: 2026-11-07T13:14:54+00:00

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