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NBT Bancorp NBTB Time deposits

Time deposits at other companies

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JPMorgan ChaseJPM
$254.73B+4.8%
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$13.08B-6.4%
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$2.21B+1.3%
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$2.83B+10.0%
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Old National BancorpONB
$10.49B+13.9%
Financial Institutions logo
Financial InstitutionsFISI
$1.66B+2.1%

Other financials

Income statement

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Revenue$186.7M+9.1%
Net income$53.0M+136%
EPS (diluted)$1.02+132%

Balance sheet

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Cash & equivalents$294.7M-45.6%
Total debt$316.4M+180%
Total equity$1.9B+7.7%
Total assets$16.2B+1.2%

Cash flow

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Operating cash flow$61.9M+33.2%
CapEx$1.4M-41.6%
Free cash flow$60.5M+37.1%

Valuation

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Market cap$2.75B+28.7%
Enterprise value$2.77B+62.3%
P/E12.9×-3.2×
P/S3.7×+0.3×

Profitability

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Net margin28.8%+7.4pp
FCF margin33.1%+4.8pp

Returns & leverage

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Return on equity11.4%+3.3pp
Debt / equity0.2×+0.1×

Where this comes from

Reported directly by NBT Bancorp in its filing.

Tagged under the XBRL concept us-gaap:TimeDeposits.

The source filing: NBT Bancorp’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 4:04 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001140361-26-031820
(In thousands, except share and per share data)June 30, 2026December 31, 2025
Liabilities
Demand (noninterest bearing)$3,861,366$3,800,209
Savings, interest-bearing checking and money market8,347,0528,206,539
Time1,328,8841,492,445
Total deposits$13,537,302$13,499,193
Short-term borrowings316,438148,069
Long-term debt43,04343,176
Subordinated debt, net-24,509

Item 1. FINANCIAL STATEMENTS (Unaudited) FINANCIAL STATEMENTS

FAQ

What is NBT Bancorp's time deposits?
NBT Bancorp (NBTB) reported time deposits of $1.33B in Q2 2026.
How has NBT Bancorp's time deposits changed year-over-year?
NBT Bancorp's time deposits decreased by 19.5% year-over-year, from $1.65B to $1.33B.
What is the long-term trend for NBT Bancorp's time deposits?
Over 5 years (2020 to 2025), NBT Bancorp's time deposits has grown at a 18.7% compound annual growth rate (CAGR), from $633.48M to $1.49B.
What does time deposits mean?
Time deposits consist of certificates of deposit and other accounts with fixed maturity dates that pay interest to the depositor. These instruments provide the bank with a predictable source of funding for a specific duration, though they generally carry higher interest costs than demand deposits. They are essential for managing the bank's asset-liability maturity profile.

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