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NBT Bancorp NBTB Junior Subordinated Notes

Junior Subordinated Notes at other companies

Northwest Bancshares logo
Northwest BancsharesNWBI
$130.16M+0.2%
Independent Bank Corp logo
Independent Bank CorpINDB
$62.86M0.0%
International Bancshares logo
International BancsharesIBOC
$108.87M0.0%
Valley National Bank logo
Valley National BankVLY
$57.89M+0.6%

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:JuniorSubordinatedDebentureOwedToUnconsolidatedSubsidiaryTrust.

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 junior subordinated notes?
NBT Bancorp (NBTB) reported junior subordinated notes of $111.69M in Q1 2026.
How has NBT Bancorp's junior subordinated notes changed year-over-year?
NBT Bancorp's junior subordinated notes increased by 10.4% year-over-year, from $101.2M to $111.69M.
What is the long-term trend for NBT Bancorp's junior subordinated notes?
Over 5 years (2020 to 2025), NBT Bancorp's junior subordinated notes has grown at a 2.0% compound annual growth rate (CAGR), from $101.2M to $111.67M.
What does junior subordinated notes mean?
Junior subordinated notes are debt instruments that rank below other senior debt in the event of a bank's liquidation or bankruptcy. These notes are often used to bolster regulatory capital ratios, as they may qualify as Tier 2 capital under banking regulations. They represent a higher-risk, higher-cost form of financing for the institution.