NBT Bancorp Inc. (NBTB)

NBT Bancorp Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	541.56	284.06	205.19	197.35	1,269	672.68
Investment Securities	876.03	889.19	912.76	873.2	916.46	660.66
Trading Asset Securities	76.75	104.44	95.99	117.29	60.46	108.78
Mortgage-Backed Securities	1,710	1,574	1,461	1,604	1,538	1,335
Total Investments	2,663	2,568	2,470	2,595	2,515	2,105
Gross Loans	11,673	10,035	9,749	8,259	7,522	7,499
Allowance for Loan Losses	-140.2	-116	-114.4	-100.8	-92	-110
Other Adjustments to Gross Loans	-48	-64.7	-98.2	-109.1	-23.7	-
Net Loans	11,484	9,854	9,536	8,049	7,406	7,389
Property, Plant & Equipment	95.79	108.44	107.38	92.95	95.39	100.61
Goodwill	454.07	362.66	361.85	281.2	280.54	280.54
Other Intangible Assets	64.45	36.36	40.44	7.34	8.93	11.74
Loans Held for Sale	3.76	9.74	3.37	0.56	0.83	1.12
Accrued Interest Receivable	50.7	43.6	42.7	33	26.1	29.7
Other Real Estate Owned & Foreclosed	0.35	0.18	-	0.11	0.17	1.46
Other Long-Term Assets	657.12	520.12	542.09	482.62	410.05	341.41
Total Assets	16,015	13,787	13,309	11,739	12,012	10,933
Interest Bearing Deposits	9,648	7,849	7,292	5,830	6,473	5,736
Institutional Deposits	-	251.6	263.1	48.4	72.3	104.1
Non-Interest Bearing Deposits	3,867	3,446	3,414	3,617	3,690	3,241
Total Deposits	13,515	11,547	10,969	9,496	10,234	9,082
Short-Term Borrowings	189.53	267.32	482.53	702.27	158.06	277.03
Current Portion of Long-Term Debt	-	26.56	-	-	10.6	25
Current Portion of Leases	-	7.59	-	-	-	-
Long-Term Debt	141.94	124.29	149.54	101.74	101.89	112.15
Long-Term Leases	-	22.76	28.2	25.6	27.6	32.8
Trust Preferred Securities	111.62	101.2	101.2	101.2	101.2	101.2
Pension & Post-Retirement Benefits	-	20.37	21.33	20.94	25.14	26.69
Other Long-Term Liabilities	206.45	143.69	131.56	118.06	102.71	88.73
Total Liabilities	14,210	12,261	11,883	10,566	10,762	9,745
Common Stock	0.59	0.54	0.54	0.5	0.5	0.5
Additional Paid-In Capital	962.87	742.81	740.94	577.85	576.98	578.08
Retained Earnings	1,126	1,100	1,022	958.43	856.2	749.06
Treasury Stock	-174.39	-175.32	-176.69	-173.2	-159.88	-140.43
Comprehensive Income & Other	-109.49	-142.1	-160.93	-190.03	-23.34	0.42
Shareholders' Equity	1,805	1,526	1,426	1,174	1,250	1,188
Total Liabilities & Equity	16,015	13,787	13,309	11,739	12,012	10,933
Total Debt	487.93	549.7	761.46	930.81	399.34	548.18
Net Cash (Debt)	130.38	-161.2	-460.28	-616.16	930.19	233.28
Net Cash Growth	-	-	-	-	298.74%	-
Net Cash Per Share	2.70	-3.40	-10.28	-14.27	21.28	5.30
Filing Date Shares Outstanding	52.39	47.25	47.15	42.9	43.17	43.58
Total Common Shares Outstanding	52.38	47.19	47.11	42.86	43.17	43.63
Book Value Per Share	34.46	32.34	30.26	27.38	28.97	27.22
Tangible Book Value	1,287	1,127	1,023	885.01	960.99	895.34
Tangible Book Value Per Share	24.56	23.88	21.72	20.65	22.26	20.52

Updated Jul 28, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q