NBT Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	487.12	284.06	205.19	197.35	1,269
Securities and Investments	2,674	2,460	2,374	2,478	2,454
Other Earning Assets	45.68	43.7	49.23	45.28	25.93
Gross Loans	11,598	9,970	9,651	8,150	7,498
Allowance for Loan Losses	-138	-116	-114.4	-100.8	-92
Net Loans	11,460	9,854	9,536	8,049	7,406
Net Property, Plant & Equipment	99.28	80.84	80.68	69.05	72.09
Accrued Interest and Accounts Receivable	399.91	392.52	395.89	379.8	266.73
Other Intangible Assets	57.66	36.36	40.44	7.34	8.93
Goodwill	453.28	362.66	361.85	281.2	280.54
Long-Term Investments	317.73	272.66	265.73	232.41	228.24
Total Assets	15,995	13,787	13,309	11,739	12,012
Interest-bearing deposits	9,699	8,101	7,555	5,879	6,545
Noninterest-bearing deposits	3,800	3,446	3,414	3,617	3,690
Total Deposits	13,499	11,547	10,969	9,496	10,234
Short-Term Borrowings	148.07	162.94	386.65	585.01	97.8
Long-Term Debt	154.84	130.84	250.74	202.94	213.68
Other Liabilities	272.29	298.78	276.97	281.86	215.71
Total Liabilities	14,099	12,261	11,883	10,566	10,762
Common Stock	0.59	0.54	0.54	0.5	0
Treasury Stock	-183.41	-175.32	-176.69	-173.2	-159.88
Additional Paid-in Capital	964.78	742.81	740.94	577.85	576.98
Accumulated Other Comprehensive Income	-82.6	-142.1	-160.93	-190.03	-23.34
Retained Earnings	1,197	1,100	1,022	958.43	856.2
Shareholders' Equity	1,896	1,526	1,426	1,174	1,250
Total Liabilities & Equity	15,995	13,787	13,309	11,739	12,012
Total Debt	154.84	130.84	250.74	202.94	213.68
Net Cash (Debt)	-154.84	-130.84	-250.74	-202.94	-213.68
Net Cash Per Share	-3.04	-2.76	-5.60	-4.70	-4.89
Book Value	1,896	1,526	1,426	1,174	1,250
Book Value Per Share	37.27	32.17	31.84	27.18	28.60
Tangible Book Value	1,385	1,127	1,023	885.01	960.99
Tangible Book Value Per Share	27.23	23.76	22.86	20.50	21.98

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q