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	185.16	284.06	205.19	197.35	1,269
Investment Securities	1,113	889.19	912.76	873.2	916.46
Trading Asset Securities	-	104.44	95.99	117.29	60.46
Mortgage-Backed Securities	1,863	1,574	1,461	1,604	1,538
Total Investments	2,976	2,568	2,470	2,595	2,515
Gross Loans	11,598	10,035	9,749	8,259	7,522
Allowance for Loan Losses	-138	-116	-114.4	-100.8	-92
Other Adjustments to Gross Loans	-	-64.7	-98.2	-109.1	-23.7
Net Loans	11,460	9,854	9,536	8,049	7,406
Property, Plant & Equipment	99.28	108.44	107.38	92.95	95.39
Goodwill	453.28	362.66	361.85	281.2	280.54
Other Intangible Assets	57.66	36.36	40.44	7.34	8.93
Loans Held for Sale	1.11	9.74	3.37	0.56	0.83
Accrued Interest Receivable	-	43.6	42.7	33	26.1
Other Real Estate Owned & Foreclosed	0.4	0.18	-	0.11	0.17
Other Long-Term Assets	761.82	520.12	542.09	482.62	410.05
Total Assets	15,995	13,787	13,309	11,739	12,012
Interest Bearing Deposits	9,699	7,849	7,292	5,830	6,473
Institutional Deposits	-	251.6	263.1	48.4	72.3
Non-Interest 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	267.32	482.53	702.27	158.06
Current Portion of Long-Term Debt	-	26.56	-	-	10.6
Current Portion of Leases	-	7.59	-	-	-
Long-Term Debt	67.69	121.2	119.74	96.93	101.89
Federal Home Loan Bank Debt, Long-Term	-	3.09	29.8	4.82	-
Long-Term Leases	-	22.76	28.2	25.6	27.6
Trust Preferred Securities	111.67	101.2	101.2	101.2	101.2
Pension & Post-Retirement Benefits	-	20.37	21.33	20.94	25.14
Other Long-Term Liabilities	272.29	143.69	131.56	118.06	102.71
Total Liabilities	14,099	12,261	11,883	10,566	10,762
Common Stock	1,896	0.54	0.54	0.5	0.5
Additional Paid-In Capital	-	742.81	740.94	577.85	576.98
Retained Earnings	-	1,100	1,022	958.43	856.2
Treasury Stock	-	-175.32	-176.69	-173.2	-159.88
Comprehensive Income & Other	-	-142.1	-160.93	-190.03	-23.34
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	327.42	549.7	761.46	930.81	399.34
Net Cash (Debt)	159.69	-161.2	-460.28	-616.16	930.19
Net Cash Growth	-	-	-	-	298.74%
Net Cash Per Share	3.14	-3.40	-10.28	-14.27	21.28
Filing Date Shares Outstanding	52.37	47.25	47.15	42.9	43.17
Total Common Shares Outstanding	52.37	47.19	47.11	42.86	43.17
Book Value Per Share	36.21	32.34	30.26	27.38	28.97
Tangible Book Value	1,385	1,127	1,023	885.01	960.99
Tangible Book Value Per Share	26.45	23.88	21.72	20.65	22.26

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q