In the wake of the increase in Current Liabilities in the second quarter 2026, Quick Ratio fell to 0.93 below Nbt Bancorp Inc average.

Within Commercial Banks industry 2 other companies have achieved higher Quick Ratio than Nbt Bancorp Inc in second quarter 2026. While Quick Ratio total ranking has improved so far during the Q2 2026 to 1869, from total ranking in the first quarter 2026 at 3240.

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NBTB Quick Ratio	(Jun 30 2026) Q2	(Mar 31 2026) Q1	(Dec 31 2025) Q4	(Sep 30 2025) Q3	(Jun 30 2025) Q2
Y / Y Current Liabilities Change	180.11 %	37.63 %	-9.13 %	-32.31 %	-49.72 %
Y / Y Cash & cash equivalent Change	-85.22 %	7.74 %	9.35 %	16.98 %	23.73 %
Quick Ratio MRQ	0.93	17.57	32.21	14.84	17.65
NBTB's Total Ranking	# 1869	# 3240	# 2204	# 1772	# 2928
Seq. Current Liabilities Change	168.61 %	-20.44 %	6.73 %	22.8 %	31.98 %
Seq. Cash & cash equivalent Change	-85.77 %	-56.6 %	131.66 %	3.25 %	3.79 %

Quick Ratio second 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	$ 316 Millions	Visit NBTB's Balance sheet
Nbt Bancorp Inc's Cash & cash equivalent	$ 295 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	(Jun 30 2026) 12 Months	(Mar 31 2026) 12 Months	(Dec 31 2025) 12 Months	(Sep 30 2025) 12 Months	(Jun 30 2025) 12 Months
Y / Y Current Liabilities TTM Growth	27.29 %	-23.68 %	-43.55 %	-53.95 %	-58.7 %
Y / Y Cash & cash equivalent TTM Growth	-8.41 %	12.82 %	15.35 %	13.47 %	12 %
Quick Ratio TTM	12.75	21.05	22.14	20.66	17.72
Total Ranking TTM	# 4132	# 3965	# 0	# 0	# 0
Seq. Current Liabilities TTM Growth	39.31 %	6.64 %	-2.97 %	-11.69 %	-16.47 %
Seq. Cash & cash equivalent TTM Growth	-15.6 %	1.38 %	3.94 %	2.98 %	3.96 %

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 in Current Liabilities in the Q2 2026 to $316.44 millions, cumulative Quick Ratio decreased to 12.75 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 first quarter 2026 from 3965 to 4132.

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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	# 632
Within the Market	# 4132

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 Jun 30 2026, within Commercial Banks Industry	Quick Ratio	Jun 30 2026 MRQ Cash & cash equivalent	Jun 30 2026 MRQ Current Liabilities
Arrow Financial Corporation	2.50	$ 774.910 Millions	$ 310.190 Millions
The Bancorp Inc	2.28	$ 1,694.973 Millions	$ 744.000 Millions
First United Corporation	2.20	$ 158.177 Millions	$ 71.755 Millions
Northwest Bancshares inc	1.86	$ 1,031.181 Millions	$ 555.438 Millions
Fulton Financial Corp	1.77	$ 1,263.067 Millions	$ 714.619 Millions
Zions Bancorporation National Association	1.70	$ 2,530.000 Millions	$ 1,486.000 Millions
Truist Financial Corporation	1.52	$ 44,576.000 Millions	$ 29,255.000 Millions
First Commonwealth Financial Corp	1.34	$ 184.835 Millions	$ 137.946 Millions
Bank Of America Corporation	1.32	$ 1,098,963.000 Millions	$ 833,110.000 Millions
Fnb Corp	1.27	$ 4,373.000 Millions	$ 3,432.000 Millions
Meridian Corp	1.14	$ 129.767 Millions	$ 113.711 Millions
Landmark Bancorp Inc	1.09	$ 32.212 Millions	$ 29.604 Millions
Wells Fargo and Company	1.09	$ 407,770.000 Millions	$ 374,924.000 Millions
Umb Financial Corp	1.01	$ 6,705.163 Millions	$ 6,651.711 Millions
First Horizon Corp	1.01	$ 3,969.000 Millions	$ 3,946.000 Millions
Pathward Financial Inc	0.96	$ 462.462 Millions	$ 479.385 Millions
Nbt Bancorp Inc	0.93	$ 294.653 Millions	$ 316.438 Millions
Jpmorgan Chase and Co	0.77	$ 946,427.000 Millions	$ 1,228,126.000 Millions
City Holding Company	0.71	$ 267.202 Millions	$ 377.551 Millions
Cullen	0.66	$ 6,506.347 Millions	$ 9,866.594 Millions
Financial Institutions Inc	0.48	$ 99.174 Millions	$ 207.659 Millions
Santander Holdings Usa Inc	0.41	$ 30,535.969 Millions	$ 74,962.460 Millions
Alerus Financial Corp	0.40	$ 163.550 Millions	$ 411.687 Millions
Keycorp	0.35	$ 2,647.000 Millions	$ 7,468.000 Millions
Camden National Corp	0.19	$ 99.900 Millions	$ 515.504 Millions

Date modified: 2026-09-05T07:02:12+00:00

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