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NBT Bancorp NBTB Borrowings at Fair Value

Borrowings at Fair Value at other companies

Customers Bancorp logo
Customers BancorpCUBI
$171.61M-6.0%
M&T Bank logo
M&T BankMTB
Northwest Bancshares logo
Northwest BancsharesNWBI
Independent Bank Corp logo
Independent Bank CorpINDB

Other financials

Income statement

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Revenue$184.5M+19.3%
Net income$51.1M+39.2%
EPS (diluted)$0.98+27.3%

Balance sheet

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Cash & equivalents$716.1M+182%
Total debt$117.8M+37.6%
Total equity$1.9B+22.3%
Total assets$16.2B+16.9%

Cash flow

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Operating cash flow$53.0M+26.3%
CapEx$4.4M+19.5%
Free cash flow$48.6M+26.9%

Valuation

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Market cap$2.5B+9.7%
Enterprise value$1.9B-12.6%
P/E13.6×-2.3×
P/S3.4×-0.4×

Profitability

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Net margin25.3%+1.0pp
FCF margin31.5%+0.9pp

Returns & leverage

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Return on equity10.6%+1.0pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by NBT Bancorp in its filing.

Tagged under the XBRL concept us-gaap:SubordinatedDebt.

The official record: NBT Bancorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is NBT Bancorp's borrowings at fair value?
NBT Bancorp (NBTB) reported borrowings at fair value of $24.8M in Q1 2026.
How has NBT Bancorp's borrowings at fair value changed year-over-year?
NBT Bancorp's borrowings at fair value decreased by 79.6% year-over-year, from $121.58M to $24.8M.
What is the long-term trend for NBT Bancorp's borrowings at fair value?
Over 5 years (2020 to 2025), NBT Bancorp's borrowings at fair value has grown at a -24.2% compound annual growth rate (CAGR), from $98.05M to $24.51M.
What does borrowings at fair value mean?
This metric captures debt obligations that the bank has elected to measure at fair value rather than amortized cost. By marking these liabilities to market, the bank reflects changes in credit risk and interest rates directly in its financial statements. This approach provides transparency into the current economic value of the bank's debt obligations.