What are NBT Bancorp's total assets?

NBT Bancorp (NBTB) holds $16.2B in total assets, up 16.9% year over year.

How much debt does NBT Bancorp have?

NBT Bancorp carries $117.8M in total debt against $1.9B of shareholders' equity, a debt-to-equity ratio of 0.06.

How much cash does NBT Bancorp have?

NBT Bancorp holds $716.1M in cash and equivalents.

Where does NBT Bancorp's balance sheet data come from?

Every line is extracted from NBT Bancorp's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.

NBT Bancorp NBTB Balance Sheet Statement

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY

Simplified Detailed

	FY'25	FY'24	FY'23	FY'22
Cash and cash equivalents	$487.12M+71.5%	$284.06M+38.4%	$205.19M+4.0%	$197.35M-84.4%
Trading assets	——	——	——	——
Loans held for sale	$1.11M-88.6%	$9.74M+189%	$3.37M+500%	$562K-32.3%
Property and equipment, net	$99.28M+22.8%	$80.84M+0.2%	$80.68M+16.8%	$69.05M-4.2%
Goodwill	$453.28M+25.0%	$362.66M+0.2%	$361.85M+28.7%	$281.2M+0.2%
Intangible assets, net	$57.66M+58.6%	$36.36M-10.1%	$40.44M+451%	$7.34M-17.8%
Other non-current assets	$399.91M+1.9%	$392.52M-0.9%	$395.89M+4.2%	$379.8M+42.4%
Equity method investments	$1M0.0%	$1M0.0%	$1M0.0%	$1M0.0%
Total investment securities	$44.58M+31.3%	$33.96M-26.0%	$45.86M+2.6%	$44.71M+78.2%
Available-for-sale securities	$1.86B+18.3%	$1.57B+10.1%	$1.43B-6.3%	$1.53B-9.5%
Held-to-maturity securities	$762.76M-9.5%	$842.92M-6.9%	$905.27M-1.5%	$919.52M+25.4%
Gross loans	$11.46B+16.3%	$9.85B+3.3%	$9.54B+18.5%	$8.05B+8.7%
Allowance for credit losses	$138M+19.0%	$116M+1.4%	$114.4M+13.5%	$100.8M+9.6%
Equity securities	$48.76M+15.1%	$42.37M+12.7%	$37.59M+22.1%	$30.78M-8.2%
Total assets	$16B+16.0%	$13.79B+3.6%	$13.31B+13.4%	$11.74B-2.3%
Current portion of long-term debt	$148.07M-9.1%	$162.94M-57.9%	$386.65M-33.9%	$585.01M+498%
Short-term borrowings	$148.07M-9.1%	$162.94M-57.9%	$386.65M-33.9%	$585.01M+498%
Accrued interest	$5.6M+27.3%	$4.4M+12.8%	$3.9M-7.1%	$4.2M+7.7%
Deposits	$13.5B+16.9%	$11.55B+5.3%	$10.97B+15.5%	$9.5B-7.2%
Noninterest-bearing deposits	$3.8B+10.3%	$3.45B+0.9%	$3.41B-5.6%	$3.62B-2.0%
Time deposits	$1.49B+3.5%	$1.44B+8.9%	$1.32B+205%	$433.77M-13.5%
Other non-current liabilities	$272.29M-8.9%	$298.78M+7.9%	$276.97M-1.7%	$281.86M+30.7%
Total liabilities	$14.1B+15.0%	$12.26B+3.2%	$11.88B+12.5%	$10.57B-1.8%
Preferred stock	$0—	$0—	$0—	$0—
Common stock	$100M+18,419%	$540K0.0%	$540K+8.7%	$497K0.0%
Additional paid-in capital	$964.78M+29.9%	$742.81M+0.3%	$740.94M+28.2%	$577.85M+0.2%
Retained earnings	$1.2B+8.8%	$1.1B+7.7%	$1.02B+6.6%	$958.43M+11.9%
Accumulated other comprehensive income (loss)	-$82.6M+41.9%	-$142.1M+11.7%	-$160.93M+15.3%	-$190.03M-714%
Treasury stock	$183.41M+4.6%	$175.32M-0.8%	$176.69M+2.0%	$173.2M+8.3%
Total stockholders' equity	$1.9B+24.2%	$1.53B+7.0%	$1.43B+21.5%	$1.17B-6.1%
Total liabilities and stockholders' equity	$16B+16.0%	$13.79B+3.6%	$13.31B+13.4%	$11.74B-2.3%
Available-for-Sale Debt Securities - Amortized Cost	——	——	——	——
Available-for-Sale Debt Securities - Amortized Cost (Due Within One Year)	——	——	——	——
Available-for-Sale Debt Securities - Fair Value (Maturing Within 1 Year)	——	——	——	——
Available-for-Sale Debt Securities - Unrealized Loss Position (>=12 Months)	331-10.3%	369-2.4%	378+122%	170+673%
AFS and Trading Securities - Unrealized Loss Position (>=12 Months)	$1.17B-9.6%	$1.29B-9.3%	$1.42B+40.5%	$1.01B+299%
AFS and Trading Securities - Unrealized Loss Position (<12 Months) Fair Value	$130.32M-33.5%	$195.88M+6,984%	$2.77M-99.5%	$509.79M-37.1%
Available-for-Sale Debt Securities - Unrealized Loss Position (<12 Months)	$130.32M-33.5%	$195.88M+6,984%	$2.77M-99.5%	$509.79M-37.1%
Available-for-Sale Debt Securities - Unrealized Loss Position	$100.63M-39.0%	$164.89M-10.5%	$184.27M-15.0%	$216.7M+888%
AFS and Trading Securities - Unrealized Loss Position (>=12 Months) Fair Value	$1.17B-9.6%	$1.29B-9.3%	$1.42B+40.5%	$1.01B+299%
AFS and Trading Securities - Unrealized Loss Position Fair Value	$1.3B-12.7%	$1.49B+4.3%	$1.43B-6.4%	$1.52B+43.0%
AFS and Trading Securities - Unrealized Loss Position (<12 Months) Fair Value	$130.32M-33.5%	$195.88M+6,984%	$2.77M-99.5%	$509.79M-37.1%
Cash, Cash Equivalents, and Marketable Securities	$1.3B-12.7%	$1.49B+4.3%	$1.43B-6.4%	$1.52B+43.0%
Equipment Installment Plan Receivables, Gross	$11.6B+16.3%	$9.97B+3.3%	$9.65B+18.4%	$8.15B+8.7%
Interest-bearing deposits in banks and other financial institutions	$301.96M+282%	$78.97M+152%	$31.38M+1.7%	$30.86M-97.2%
Allowance for Credit Losses on Financing Receivables - Individually Evaluated	$0—	——	——	——
Financing Receivables	$11.46B+16.3%	$9.85B+3.3%	$9.54B+18.5%	$8.05B+8.7%
Loans and Lending Commitments	$11.46B+16.3%	$9.85B+3.3%	$9.54B+18.5%	$8.05B+8.7%
Trading Securities in Marketable Securities	$1M0.0%	$1M0.0%	$1M0.0%	$1M0.0%
Available-for-Sale Debt Securities - Fair Value (Maturing 1 to 5 Years)	——	——	——	——
Loans 90+ Days Past Due	$44.59M-2.7%	$45.82M+33.9%	$34.21M+98.5%	$17.23M-43.1%
Purchased Credit Deteriorated Loans	$11.46B+16.3%	$9.85B+3.3%	$9.54B+18.5%	$8.05B+8.7%
Equity Securities Without Readily Determinable Fair Value - Cumulative Downward Adjustments	$1M0.0%	$1M0.0%	$1M0.0%	$1M0.0%
Held-to-Maturity Debt Securities - Fair Value	$702.58M-6.3%	$749.95M-7.9%	$814.52M+0.2%	$812.65M+10.5%
Held-to-Maturity Debt Securities - Maturing 1 to 5 Years	——	——	——	——
Held-to-Maturity Debt Securities - Maturing 5 to 10 Years	——	——	——	——
Held-to-Maturity Debt Securities - Maturing Over 10 Years	——	——	——	——
Held-to-Maturity Debt Securities - Nonaccrual	$0—	$0—	$0—	$0—
Allowance for Credit Losses on Held-to-Maturity Securities	$0—	$0—	$0—	$0—
Investments - Amortized Cost Basis	$1M0.0%	$1M0.0%	$1M0.0%	$1M0.0%
Bank Owned Life Insurance	$317.73M+16.5%	$272.66M+2.6%	$265.73M+14.3%	$232.41M+1.8%
Cash and Due from Banks	$185.16M-9.7%	$205.08M+18.0%	$173.81M+4.4%	$166.49M+5.5%
Other intangible assets—net	$57.66M+58.6%	$36.36M-10.1%	$40.44M+451%	$7.34M-17.8%
Interest-Bearing Deposits in Banks and Other Financial Institutions	$301.96M+282%	$78.97M+152%	$31.38M+1.7%	$30.86M-97.2%
Other Assets	$399.91M+1.9%	$392.52M-0.9%	$395.89M+4.2%	$379.8M+42.4%
Borrowings at Fair Value	$24.51M-79.8%	$121.2M+1.2%	$119.74M+23.5%	$96.93M-1.6%
Debt Maturity - 1 to 5 Years	——	——	——	——
Debt Maturity - 5 to 10 Years	——	——	——	——
Debt Maturity - Over 10 Years	——	——	——	——
Junior Subordinated Notes	$111.67M+10.3%	$101.2M0.0%	$101.2M0.0%	$101.2M0.0%
Long Term Debt Excluding Junior Subordinated Debenture Owed To Unconsolidated Subsidiary Trust And Subordinated Debt	$43.18M+45.6%	$29.64M-0.5%	$29.8M+519%	$4.82M-65.6%
Savings Interest Bearing Checking And Money Market	$8.21B+23.3%	$6.66B—	——	——
Total debt	$181.2M-6.2%	$193.24M-53.4%	$414.85M-32.1%	$610.61M+387%
AFS and Trading Securities - Unrealized Loss Position (>=12 Months) Accumulated Loss	$100.34M-38.2%	$162.37M-11.8%	$184.19M+2.3%	$180.01M+1,968%
AFS and Trading Securities - Unrealized Loss Position (<12 Months) Accumulated Loss	19-40.6%	32+220%	10-95.9%	245+92.9%
Common Stock Par Value Per Share	$0.010.0%	$0.010.0%	$0.010.0%	$0.010.0%
Common Stock Shares Issued	$59.08M+9.5%	$53.97M0.0%	$53.97M+8.7%	$49.65M0.0%
Convertible Preferred Stock Authorized Shares	$2.5M0.0%	$2.5M0.0%	$2.5M0.0%	$2.5M0.0%
Cumulative Gross Losses and Impairments	$60.37M-35.1%	$93.02M+2.2%	$91.01M-15.0%	$107.08M+1,240%
Cumulative Gross Unrealized Gains	$192K+357%	$42K-84.5%	$271K+29.7%	$209K-97.9%
Common stock; $0.001 par value; 6,000 shares authorized; 3,755 and 3,751 shares issued and outstanding as of March 31, 2026 and December 31, 2025, respectively	$591K+9.4%	$540K0.0%	$540K+8.7%	$497K0.0%
Preferred stock; $0.001 par value; 100 shares authorized; no shares issued and outstanding	$0—	$0—	$0—	$0—
Investments - Gross Unrealized Losses	$1.3B-12.7%	$1.49B+4.3%	$1.43B-6.4%	$1.52B+43.0%
Preferred Stock Par Value Per Share	$0.010.0%	$0.010.0%	$0.010.0%	$0.010.0%
Unrealized Gains on Investments	$4.81M+1,817%	$251K+434%	$47K+23.7%	$38K-99.7%
Unrealized Losses on Investments (Before Tax)	$100.63M-39.0%	$164.89M-10.5%	$184.27M-15.0%	$216.7M+888%
Nonperforming Loans and Leases Percentage	$11.6B+16.3%	$9.97B+57,530%	$17.3M+1,473%	$1.1M—
Components	350-12.7%	401+3.4%	388-6.5%	415+179%
Cumulative Cost Basis	$1.96B+12.6%	$1.74B+7.7%	$1.62B-7.4%	$1.74B+2.9%
Debt Securities, Available-for-Sale, Accumulated Gross Unrealized Loss, before Tax	$100.63M-39.0%	$164.89M-10.5%	$184.27M-15.0%	$216.7M+888%
Gross Unrealized Gains	$4.81M+1,817%	$251K+434%	$47K+23.7%	$38K-99.7%
Total	$1.96B+12.6%	$1.74B+7.7%	$1.62B-7.4%	$1.74B+2.9%
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	——	——	——	——
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10	——	——	——	——
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five	——	——	——	——
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five	——	——	——	——
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10	——	——	——	——
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10	——	——	——	——
Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One	——	——	——	——
Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One	——	——	——	——
Available for sale investments	$1.86B+18.3%	$1.57B+10.1%	$1.43B-6.3%	$1.53B-9.5%
Common stock, par value (in dollars per share)	$0.010.0%	$0.010.0%	$0.010.0%	$0.010.0%
Common stock, shares authorized (in shares)	$100M0.0%	$100M0.0%	$100M0.0%	$100M0.0%
Common stock, shares issued (in shares)	$59.08M+9.5%	$53.97M0.0%	$53.97M+8.7%	$49.65M0.0%
Debt Securities, Available-for-Sale, Allowance for Credit Loss	$0—	$0—	$0—	$0—
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss	$100.34M-38.2%	$162.37M-11.8%	$184.19M+2.3%	$180.01M+1,968%
Less than 12 months	$130.32M-33.5%	$195.88M+6,984%	$2.77M-99.5%	$509.79M-37.1%
12 months or more	$1.17B-9.6%	$1.29B-9.3%	$1.42B+40.5%	$1.01B+299%
Number of Securities, Greater than 12 months	$331-10.3%	$369-2.4%	$378+122%	$170+673%
Debt Securities, Available-for-Sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss	$292K-88.4%	$2.52M+2,967%	$82K-99.8%	$36.68M+177%
Debt Securities, Available-for-Sale, Unrealized Loss Position, Accumulated Loss	$100.63M-39.0%	$164.89M-10.5%	$184.27M-15.0%	$216.7M+888%
Debt Securities, Available-for-Sale, Unrealized Loss Position, Number of Positions	$350-12.7%	$401+3.4%	$388-6.5%	$415+179%
Debt Securities, Available-for-Sale, Unrealized Loss Position	$1.3B-12.7%	$1.49B+4.3%	$1.43B-6.4%	$1.52B+43.0%
Accrued Interest, held-to-maturity	$3.9M-11.4%	$4.4M-6.4%	$4.7M+23.7%	$3.8M+40.7%
Debt Securities, Held-to-Maturity, Allowance for Credit Loss	$0—	$0—	$0—	$0—
Debt Securities Held To Maturity Collateral Dependent	$0—	$0—	$0—	$0—
Debt Securities Held To Maturity Continuous Unrealized Loss Positions Less Than12Months Accumulated Loss	$316K+177%	$114K-76.8%	$492K—	——
Debt Securities Held To Maturity Continuous Unrealized Loss Positions Less Than12Months Fair Value	$15.15M-8.8%	$16.61M-37.7%	$26.64M—	——
Debt Securities Held To Maturity Continuous Unrealized Loss Positions12Months Or Longer Accumulated Loss	$60.06M-35.4%	$92.9M+2.6%	$90.52M—	——
Debt Securities Held To Maturity Continuous Unrealized Loss Positions12Months Or Longer Fair Value	$573.19M-10.5%	$640.54M-5.1%	$675.26M—	——
Debt Securities Held To Maturity Continuous Unrealized Loss Positions Fair Value	$588.34M-10.5%	$657.14M-6.4%	$701.9M—	——
Debt Securities Held To Maturity Continuous Unrealized Loss Positions Accumulated Loss	$60.37M-35.1%	$93.02M+2.2%	$91.01M—	——
Debt Securities Held To Maturity Securities In Unrealized Loss Positions Qualitative Disclosure Number Of Positions	238-17.6%	289-4.3%	302—	——
Trading securities, cost	$1M0.0%	$1M0.0%	$1M0.0%	$1M0.0%
ACL for loans to total HFI loans	$0.01+2.6%	$0.01-2.5%	$0.01-4.0%	$0.01+0.8%
Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment Nonaccrual Status	$0—	——	——	——
Financing Receivable Individually Evaluated For Impairment Nonaccural Status	$12.2M—	——	——	——
Financing Receivable Individually Evaluated For Impairment Number Of Relationships	5+66.7%	3+50.0%	20.0%	2-60.0%
Originated, at amortized cost, more than five years before current fiscal year	$3.08B+44.5%	$2.13B+15.9%	$1.84B+30.1%	$1.41B+9.3%
2021	$1.43B+63.6%	$875.4M+26.3%	$692.96M+33.5%	$518.99M-1.8%
Year one	$1.41B-2.3%	$1.44B0.0%	$1.44B-26.0%	$1.95B-4.5%
Year two	$1.35B+11.1%	$1.22B-38.8%	$1.99B+23.2%	$1.62B+36.9%
2022	$1.8B+25.8%	$1.43B+39.9%	$1.02B+31.6%	$774.79M+13.8%
2023	$1.19B-33.7%	$1.8B+6.6%	$1.69B+66.8%	$1.01B+1.9%
Amortized cost	$1.25B+25.0%	$997.4M+8.3%	$920.87M+15.1%	$800.16M+13.7%
Converted to term loans – Amortized cost	$84.71M+11.7%	$75.85M+40.2%	$54.11M-11.9%	$61.43M-14.5%
Financing Receivable Threshold Balance For Loans Specifically Evaluated For Individual Credit Loss	——	——	——	——
Financing Receivable, Unamortized Loan Cost (Fee) and Purchase Premium (Discount)	-$37.9M+41.4%	-$64.7M+34.1%	-$98.2M—	——
Debt Securities, Held-to-Maturity, Accumulated Unrecognized Loss	$60.37M-35.1%	$93.02M+2.2%	$91.01M-15.0%	$107.08M+1,240%
Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain	$192K+357%	$42K-84.5%	$271K+29.7%	$209K-97.9%
5-10 years	——	——	——	——
1-5 years	——	——	——	——
After 10 years	——	——	——	——
Within 1 year	——	——	——	——
Held To Maturity Securities In Unrealized Loss Positions Qualitative Disclosure Number Of Positions Less Than One Year	8-38.5%	13-40.9%	22-89.9%	217+288%
Held To Maturity Securities In Unrealized Loss Positions Qualitative Disclosure Number Of Positions Greater Than Or Equal To One Year	230-16.7%	276-1.4%	280+177%	101+621%
Number Of Issuers Whose Holdings Exceeded Ten Percent Of Consolidated Stockholders Equity Excluding US Government Securities And Government Sponsored Enterprises Securities	0—	0—	0—	0—
Preferred Stock, Par or Stated Value Per Share	$0.010.0%	$0.010.0%	$0.010.0%	$0.010.0%
Preferred Stock, Shares Authorized	$2.5M0.0%	$2.5M0.0%	$2.5M0.0%	$2.5M0.0%
Time Deposits	$1.49B+3.5%	$1.44B+8.9%	$1.32B+205%	$433.77M-13.5%
Treasury stock, shares (in shares)	$6.88M+1.5%	$6.78M-1.2%	$6.86M+1.0%	$6.79M+4.8%

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What are NBT Bancorp's total assets?: NBT Bancorp (NBTB) holds $16.2B in total assets, up 16.9% year over year.
How much debt does NBT Bancorp have?: NBT Bancorp carries $117.8M in total debt against $1.9B of shareholders' equity, a debt-to-equity ratio of 0.06.
How much cash does NBT Bancorp have?: NBT Bancorp holds $716.1M in cash and equivalents.
Where does NBT Bancorp's balance sheet data come from?: Every line is extracted from NBT Bancorp's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.