What is NBT Bancorp's ACL for loans to total HFI loans?

NBT Bancorp (NBTB) reported ACL for loans to total HFI loans of $0.01 in Q1 2026.

How has NBT Bancorp's ACL for loans to total HFI loans changed year-over-year?

NBT Bancorp's ACL for loans to total HFI loans increased by 2.6% year-over-year, from $0.01 to $0.01.

What is the long-term trend for NBT Bancorp's ACL for loans to total HFI loans?

Over 5 years (2020 to 2025), NBT Bancorp's ACL for loans to total HFI loans has grown at a -4.1% compound annual growth rate (CAGR), from $0.01 to $0.01.

NBT Bancorp NBTB ACL for loans to total HFI loans

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 srt:FinancingReceivableAllowanceForCreditLossToOutstandingPercent.

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 ACL for loans to total HFI loans?: NBT Bancorp (NBTB) reported ACL for loans to total HFI loans of $0.01 in Q1 2026.
How has NBT Bancorp's ACL for loans to total HFI loans changed year-over-year?: NBT Bancorp's ACL for loans to total HFI loans increased by 2.6% year-over-year, from $0.01 to $0.01.
What is the long-term trend for NBT Bancorp's ACL for loans to total HFI loans?: Over 5 years (2020 to 2025), NBT Bancorp's ACL for loans to total HFI loans has grown at a -4.1% compound annual growth rate (CAGR), from $0.01 to $0.01.