What is NBT Bancorp's repayments of subordinated debt?

NBT Bancorp (NBTB) reported repayments of subordinated debt of $29.5M in Q4 2025.

What does repayments of subordinated debt mean?

Cash outflows used to retire or pay down subordinated debt obligations that rank below senior debt in the event of liquidation. This reflects the company's strategy for managing its long-term capital structure and reducing interest-bearing liabilities. It is a key indicator of deleveraging activity.

NBT Bancorp NBTB Repayments of Subordinated Debt

Repayments of Subordinated Debt at other companies

Customers BancorpCUBI

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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:RepaymentsOfSubordinatedDebt.

The official record: NBT Bancorp’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is NBT Bancorp's repayments of subordinated debt?: NBT Bancorp (NBTB) reported repayments of subordinated debt of $29.5M in Q4 2025.
What does repayments of subordinated debt mean?: Cash outflows used to retire or pay down subordinated debt obligations that rank below senior debt in the event of liquidation. This reflects the company's strategy for managing its long-term capital structure and reducing interest-bearing liabilities. It is a key indicator of deleveraging activity.