NBT Bancorp Inc

Financial Services · Banks - Regional

50.90$ -0.7% vs. previous close Closing price · As of: Sep 22, 2026

Statements

Balance Sheet

NBT Bancorp Inc (NBTB) by the numbers: income statement, balance sheet and cash flow, by year or by quarter. In the most recent period (2025), "Total Assets" came in at 15,995 million USD. Tick rows to compare them in a chart.

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Amounts Change % Common size %

Last 12 Full history

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All figures in millions of USD.

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Balance Sheet NBTB
Line item	1996	1997	1998	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Total Assets	1,139	1,281	1,290	2,381	3,606	3,638	3,724	4,047	4,212	4,427	5,088	5,202	5,336	5,464	5,339	5,598	6,042	7,652	7,798	8,263	8,867	9,137	9,556	9,716	10,933	12,012	11,739	13,309	13,787	15,995
Current Assets	36	37	47	80	130	130	125	128	98	142	139	163	110	187	3,910	4,055	1,312	1,524	1,160	1,315	1,487	1,416	1,179	1,192	2,021	2,956	1,725	1,636	420	237
Cash	36	37	47	80	130	130	125	128	98	142	139	163	110	187	169	129	164	159	147	140	149	160	181	217	673	1,269	197	205	284	185
Cash & Short-Term Investments	36	37	47	80	130	130	125	128	98	142	139	163	110	187	169	129	1,312	1,524	1,160	1,315	1,487	1,416	1,179	1,192	2,021	2,956	1,725	1,636	420	185
Receivables	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	7,406	8,049	–	–	52
Inventory	–	–	–	–	0.7	1.6	2.9	1.2	0.4	0.3	0.4	0.6	0.7	2.4	0.9	2.2	2.3	2.9	4.0	4.7	5.6	4.5	2.4	1.5	1.5	0.2	0.1	–	–	–
Property, Plant & Equipment	–	–	–	–	43	63	61	62	64	64	67	64	65	66	67	75	78	88	89	89	84	81	79	76	74	72	69	–	–	–
Goodwill	–	–	–	–	–	–	46	48	46	48	103	103	115	115	115	132	152	265	264	266	265	268	275	275	281	281	281	362	363	453
Intangible Assets	–	–	–	–	28	51	48	50	2.0	3.8	12	10	23	21	18	18	17	26	20	17	16	13	16	12	12	8.9	7.3	40	36	58
Total Liabilities	1,033	1,157	1,159	2,189	3,319	3,355	3,414	3,720	3,880	4,093	4,684	4,804	4,904	4,959	4,805	5,060	5,460	6,836	6,934	7,381	7,954	8,179	8,538	8,596	9,745	10,762	10,566	11,883	12,261	14,099
Current Liabilities	1,005	1,149	1,141	1,919	3,029	3,038	3,028	3,304	3,413	3,605	4,142	4,241	4,130	4,249	159	182	4,947	6,346	6,616	7,047	7,655	7,890	8,240	8,243	9,250	10,332	10,081	11,356	11,710	148
Short-Term Debt	88	135	97	142	185	122	106	303	339	445	345	368	206	156	159	182	163	456	317	442	682	719	872	655	168	98	585	387	163	148
Accounts Payable	–	–	–	–	2,040	2,916	2,922	3,001	3,074	3,160	3,796	3,872	3,923	4,093	4,134	4,367	4,784	5,890	6,300	6,605	6,974	7,171	7,368	7,588	9,082	10,234	9,496	–	–	–
Long-Term Debt	–	–	–	–	224	253	262	357	348	353	399	370	668	551	445	446	443	398	232	232	205	190	175	101	199	214	203	251	252	179
Shareholders' Equity	106	123	131	191	270	266	292	310	332	334	404	397	432	505	534	538	582	817	864	882	913	958	1,018	1,120	1,188	1,250	1,174	1,426	1,526	1,896
Retained Earnings	24	22	16	45	89	73	95	120	146	164	192	215	245	270	300	330	358	386	424	462	502	544	621	696	749	856	958	1,022	1,100	1,197
Shares Outstanding	13	13	30	30	30	34	33	33	33	33	34	33	32	34	35	34	34	42	44	44	44	44	44	44	44	44	43	45	47	51

Data as of: September 22, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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