NBT Bancorp Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	716.07	487.12	284.06	205.19	197.35	1,269
Securities and Investments	2,714	2,674	2,460	2,374	2,478	2,454
Other Earning Assets	44.84	45.68	43.7	49.23	45.28	25.93
Gross Loans	11,547	11,598	9,970	9,651	8,150	7,498
Allowance for Loan Losses	-138.6	-138	-116	-114.4	-100.8	-92
Net Loans	11,409	11,460	9,854	9,536	8,049	7,406
Net Property, Plant & Equipment	100.25	99.28	80.84	80.68	69.05	72.09
Accrued Interest and Accounts Receivable	393.28	399.91	392.52	395.89	379.8	266.73
Other Intangible Assets	54.31	57.66	36.36	40.44	7.34	8.93
Goodwill	453.28	453.28	362.66	361.85	281.2	280.54
Long-Term Investments	319.4	317.73	272.66	265.73	232.41	228.24
Total Assets	16,204	15,995	13,787	13,309	11,739	12,012
Interest-bearing deposits	9,896	9,699	8,101	7,555	5,879	6,545
Noninterest-bearing deposits	3,847	3,800	3,446	3,414	3,617	3,690
Total Deposits	13,743	13,499	11,547	10,969	9,496	10,235
Short-Term Borrowings	117.81	148.07	162.94	386.65	585.01	97.8
Long-Term Debt	154.8	154.84	130.84	250.74	202.94	213.68
Other Liabilities	249.64	272.29	298.78	276.97	281.86	215.71
Total Liabilities	14,290	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	1,914	1,896	1,526	1,426	1,174	1,250
Total Liabilities & Equity	16,204	15,995	13,787	13,309	11,739	12,012
Total Debt	154.8	154.84	130.84	250.74	202.94	213.68
Net Cash (Debt)	-154.8	-154.84	-130.84	-250.74	-202.94	-213.68
Net Cash Per Share	-2.97	-3.04	-2.76	-5.60	-4.70	-4.89
Book Value	1,914	1,896	1,526	1,426	1,174	1,250
Book Value Per Share	36.76	37.27	32.17	31.84	27.18	28.60
Tangible Book Value	1,407	1,385	1,127	1,023	885.01	960.99
Tangible Book Value Per Share	27.01	27.23	23.76	22.86	20.50	21.98

Updated Apr 23, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q