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NBT Bancorp NBTB Interest Expense, Subordinated Notes and Debentures

Interest Expense, Subordinated Notes and Debentures at other companies

HOM
Home BancSharesHOMB
$2.36M-42.9%
Customers Bancorp logo
Customers BancorpCUBI
$4.62M+43.9%

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:InterestExpenseSubordinatedNotesAndDebentures.

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 interest expense, subordinated notes and debentures?
NBT Bancorp (NBTB) reported interest expense, subordinated notes and debentures of $510K in Q1 2026.
How has NBT Bancorp's interest expense, subordinated notes and debentures changed year-over-year?
NBT Bancorp's interest expense, subordinated notes and debentures decreased by 72.0% year-over-year, from $1.82M to $510K.
What is the long-term trend for NBT Bancorp's interest expense, subordinated notes and debentures?
Over 4 years (2021 to 2025), NBT Bancorp's interest expense, subordinated notes and debentures has grown at a -2.7% compound annual growth rate (CAGR), from $5.44M to $4.88M.
What does interest expense, subordinated notes and debentures mean?
This measures the interest expense paid on subordinated notes and debentures, which are debt instruments that rank below other senior debt in the event of liquidation. These instruments are often utilized to bolster regulatory capital ratios. It provides insight into the cost of capital associated with maintaining the bank's regulatory capital buffers.