What is NBT Bancorp's debt-to-assets?

NBT Bancorp (NBTB) reported debt-to-assets of 0× in Q1 2026.

How has NBT Bancorp's debt-to-assets changed year-over-year?

NBT Bancorp's debt-to-assets increased by 17.7% year-over-year, from 0× to 0×.

What is the long-term trend for NBT Bancorp's debt-to-assets?

Over 5 years (2020 to 2025), NBT Bancorp's debt-to-assets has grown at a -9.3% compound annual growth rate (CAGR), from 0× to 0×.

What does debt-to-assets mean?

Total debt divided by total assets at the quarter end. Measures the share of the asset base financed by debt.

NBT Bancorp NBTB Debt-to-assets

Debt-to-assets at other companies

JPMorgan ChaseJPM

0.1×0.0×

M&T BankMTB

0.1×+0.1×

KeyCorpKEY

0.1×0.0×

Community Financial SystemCBU

0×0.0×

Nicolet BanksharesNIC

0×0.0×

Old National BancorpONB

0×0.0×

Other financials

Income statement

See full

Revenue$184.5M+19.3%

Net income$51.1M+39.2%

EPS (diluted)$0.98+27.3%

Balance sheet

See full

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

See full

Operating cash flow$53.0M+26.3%

CapEx$4.4M+19.5%

Free cash flow$48.6M+26.9%

Valuation

See full

Market cap$2.5B+9.7%

Enterprise value$1.9B-12.6%

P/E13.6×-2.3×

P/S3.4×-0.4×

Profitability

See full

Net margin25.3%+1.0pp

FCF margin31.5%+0.9pp

Returns & leverage

See full

Return on equity10.6%+1.0pp

Debt / equity0.1×0.0×

Where this comes from

Calculated from NBT Bancorp’s reported figures.

total debt/total assets=0×

Based on the most recent quarter.

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

Ask your AI about NBT Bancorp's debt-to-assets.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI

Claude

Questions, answered.

What is NBT Bancorp's debt-to-assets?: NBT Bancorp (NBTB) reported debt-to-assets of 0× in Q1 2026.
How has NBT Bancorp's debt-to-assets changed year-over-year?: NBT Bancorp's debt-to-assets increased by 17.7% year-over-year, from 0× to 0×.
What is the long-term trend for NBT Bancorp's debt-to-assets?: Over 5 years (2020 to 2025), NBT Bancorp's debt-to-assets has grown at a -9.3% compound annual growth rate (CAGR), from 0× to 0×.
What does debt-to-assets mean?: Total debt divided by total assets at the quarter end. Measures the share of the asset base financed by debt.