NBT Bancorp Balance Sheet
NASDAQ: NBTBFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
NBT Bancorp financial position
At the end of fiscal 2025, NBT Bancorp reported total assets of $16.00 billion, up 16.0% from a year earlier against total liabilities of $14.10 billion. Shareholders' equity stood at $1.90 billion, or 11.9% of assets. The company held $185.2 million in cash and equivalents against $148.1 million of debt, a net cash position of $37.1 million.
Debt-to-equity was 0.08.
Summary generated from market data by MetaCap's automated system. Methodology
NBT Bancorp balance sheet (annual)
| Fiscal year (USD) | FY 20252025-12-31 | FY 20242024-12-31 | FY 20232023-12-31 | FY 20222022-12-31 | FY 20212021-12-31 | FY 20202020-12-31 | FY 20192019-12-31 | FY 20182018-12-31 | FY 20172017-12-31 | FY 20162016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | 185.16M | 205.08M | 173.81M | 166.49M | 157.78M | 672.68M | 216.84M | 180.96M | 159.66M | 149.18M |
| Property, Plant & Equipment | 99.28M | 80.84M | 80.67M | 69.05M | 72.09M | 74.21M | 75.63M | 78.97M | 81.31M | 84.19M |
| Goodwill | 453.28M | 362.66M | 361.85M | 281.20M | 280.54M | 280.54M | 274.77M | 274.77M | 268.04M | 265.44M |
| Intangible Assets | 57.66M | 36.36M | 40.44M | 7.34M | 8.93M | 11.73M | 12.02M | 15.60M | 13.42M | 15.81M |
| Total Assets | 16.00B | 13.79B | 13.31B | 11.74B | 12.01B | 10.93B | 9.72B | 9.56B | 9.14B | 8.87B |
| Short-Term Debt | 148.07M | 162.94M | 386.65M | 585.01M | 97.80M | 168.39M | 655.27M | 871.70M | 719.12M | 681.70M |
| Long-Term Debt | — | — | — | — | — | — | — | 73.72M | 88.87M | 104.09M |
| Total Liabilities | 14.10B | 12.26B | 11.88B | 10.57B | 10.76B | 9.75B | 8.60B | 8.54B | 8.18B | 7.95B |
| Shareholders' Equity | 1.90B | 1.53B | 1.43B | 1.17B | 1.25B | 1.19B | 1.12B | 1.02B | 958.18M | 913.32M |
| Retained Earnings | 1.20B | 1.10B | 1.02B | 958.43M | 856.20M | 749.06M | 696.21M | 621.20M | 543.71M | 501.76M |
| Total Debt | 148.07M | 162.94M | 386.65M | 585.01M | 97.80M | 168.39M | 655.27M | 945.42M | 807.99M | 785.79M |
| Net Cash (Debt) | 37.09M | 42.14M | -212.84M | -418.52M | 59.98M | 504.30M | -438.43M | -764.47M | -648.33M | -636.61M |
This table shows 10 annual periods of NBT Bancorp's balance sheet, from FY 2025 back to FY 2016, across 12 line items including cash & equivalents, property, plant & equipment, goodwill. Values in USD; B = billions, M = millions. Fiscal periods follow NBTB's reporting calendar. What is a balance sheet?