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NBT Bancorp NBTB Loans held for sale

Loans held for sale at other companies

KeyCorpKEY

$876M+8.0%

Nicolet BanksharesNIC

$16.63M+105%

Old National BancorpONB

$56.13M+38.8%

Northwest BancsharesNWBI

$16.85M-76.3%

STB

S&T BancorpSTBA

$694K—

JPMorgan ChaseJPM

——

Other financials

Income statement

Revenue$184.5M+19.3%

Net income$51.1M+39.2%

EPS (diluted)$0.98+27.3%

Balance sheet

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

Operating cash flow$53.0M+26.3%

CapEx$4.4M+19.5%

Free cash flow$48.6M+26.9%

Valuation

Market cap$2.5B+9.7%

Enterprise value$1.9B-12.6%

P/E13.6×-2.3×

P/S3.4×-0.4×

Profitability

Net margin25.3%+1.0pp

FCF margin31.5%+0.9pp

Returns & leverage

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:LoansReceivableHeldForSaleNetNotPartOfDisposalGroup.

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 loans held for sale?: NBT Bancorp (NBTB) reported loans held for sale of $185K in Q1 2026.
How has NBT Bancorp's loans held for sale changed year-over-year?: NBT Bancorp's loans held for sale decreased by 98.6% year-over-year, from $13.63M to $185K.
What is the long-term trend for NBT Bancorp's loans held for sale?: Over 5 years (2020 to 2025), NBT Bancorp's loans held for sale has grown at a -0.2% compound annual growth rate (CAGR), from $1.12M to $1.11M.
What does loans held for sale mean?: Originated mortgage loans intended for sale into the secondary market, carried at fair value or lower of cost/market.