NBT Bancorp Inc. (NBTB)
NASDAQ: NBTB · Real-Time Price · USD
53.56
-0.01 (-0.02%)
At close: Aug 14, 2026, 4:00 PM EDT
53.47
-0.09 (-0.17%)
After-hours: Aug 14, 2026, 7:34 PM EDT
NBT Bancorp Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 | 294.65 | 487.12 | 284.06 | 205.19 | 197.35 | 1,269 |
Investment Securities | 867.42 | 834.43 | 885.99 | 912.76 | 873.2 | 916.46 |
Trading Asset Securities | 72.17 | 68.11 | 104.44 | 95.99 | 117.29 | 60.46 |
Mortgage-Backed Securities | 1,945 | 1,843 | 1,574 | 1,461 | 1,604 | 1,538 |
Total Investments | 2,884 | 2,746 | 2,564 | 2,470 | 2,595 | 2,515 |
Gross Loans | 11,902 | 11,636 | 10,035 | 9,749 | 8,259 | 7,522 |
Allowance for Loan Losses | -140.5 | -138 | -116 | -114.4 | -100.8 | -92 |
Other Adjustments to Gross Loans | -27.6 | -37.9 | -64.7 | -98.2 | -109.1 | -23.7 |
Net Loans | 11,734 | 11,460 | 9,854 | 9,536 | 8,049 | 7,406 |
Property, Plant & Equipment | 98.12 | 129.88 | 108.44 | 107.38 | 92.95 | 95.39 |
Goodwill | 453.28 | 453.28 | 362.66 | 361.85 | 281.2 | 280.54 |
Other Intangible Assets | 51.12 | 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 | 52.5 | 52 | 43.6 | 42.7 | 33 | 26.1 |
Other Real Estate Owned & Foreclosed | - | 0.4 | 0.18 | - | 0.11 | 0.17 |
Other Long-Term Assets | 647.52 | 607.6 | 523.32 | 542.09 | 482.62 | 410.05 |
Total Assets | 16,215 | 15,995 | 13,787 | 13,309 | 11,739 | 12,012 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Interest Bearing Deposits | 9,676 | 9,366 | 7,849 | 7,292 | 5,830 | 6,473 |
Institutional Deposits | - | 332.9 | 251.6 | 263.1 | 48.4 | 72.3 |
Non-Interest Bearing Deposits | 3,861 | 3,800 | 3,446 | 3,414 | 3,617 | 3,690 |
Total Deposits | 13,537 | 13,499 | 11,547 | 10,969 | 9,496 | 10,234 |
Short-Term Borrowings | 388.49 | 216.14 | 267.32 | 482.53 | 702.27 | 158.06 |
Current Portion of Long-Term Debt | - | - | 26.56 | - | - | 10.6 |
Current Portion of Leases | - | 9.1 | - | - | - | - |
Long-Term Debt | - | 24.51 | 121.2 | 119.74 | 96.93 | 101.89 |
Federal Home Loan Bank Debt, Long-Term | 43.04 | 43.18 | 3.09 | 29.8 | 4.82 | - |
Long-Term Leases | - | 24.04 | 30.3 | 28.2 | 25.6 | 27.6 |
Trust Preferred Securities | 111.71 | 111.67 | 101.2 | 101.2 | 101.2 | 101.2 |
Pension & Post-Retirement Benefits | - | 22.52 | 20.37 | 21.33 | 20.94 | 25.14 |
Other Long-Term Liabilities | 190.49 | 148.57 | 143.74 | 131.56 | 118.06 | 102.71 |
Total Liabilities | 14,271 | 14,099 | 12,261 | 11,883 | 10,566 | 10,762 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Common Stock | 0.59 | 0.59 | 0.54 | 0.54 | 0.5 | 0.5 |
Additional Paid-In Capital | 966.12 | 964.78 | 742.81 | 740.94 | 577.85 | 576.98 |
Retained Earnings | 1,263 | 1,197 | 1,100 | 1,022 | 958.43 | 856.2 |
Treasury Stock | -196.22 | -183.41 | -175.32 | -176.69 | -173.2 | -159.88 |
Comprehensive Income & Other | -89.13 | -82.6 | -142.1 | -160.93 | -190.03 | -23.34 |
Shareholders' Equity | 1,944 | 1,896 | 1,526 | 1,426 | 1,174 | 1,250 |
Total Liabilities & Equity | 16,215 | 15,995 | 13,787 | 13,309 | 11,739 | 12,012 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 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 |
Total Debt | 543.25 | 428.62 | 549.66 | 761.46 | 930.81 | 399.34 |
Net Cash (Debt) | -176.43 | 126.61 | -161.16 | -460.28 | -616.16 | 930.19 |
Net Cash Growth | - | - | - | - | - | 298.74% |
Net Cash Per Share | -3.36 | 2.49 | -3.40 | -10.28 | -14.27 | 21.28 |
Filing Date Shares Outstanding | 51.96 | 52.2 | 47.25 | 47.15 | 42.9 | 43.17 |
Total Common Shares Outstanding | 51.95 | 52.2 | 47.19 | 47.11 | 42.86 | 43.17 |
Book Value Per Share | 37.42 | 36.32 | 32.34 | 30.26 | 27.38 | 28.97 |
Tangible Book Value | 1,440 | 1,385 | 1,127 | 1,023 | 885.01 | 960.99 |
Tangible Book Value Per Share | 27.71 | 26.54 | 23.88 | 21.72 | 20.65 | 22.26 |