NBT BANCORP INC
For the period ended Dec 31, 2024. Filed Feb 28, 2025.
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FY2024 · Filed Feb 28, 2025
NBTB$53.64+1.5%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Balance Sheets
| December 31, | ||||
|---|---|---|---|---|
| (In thousands except share and per share data) · 2024 · 2023 | ||||
| Assets | ||||
| Cash and due from banks | $205,083 | $173,811 | ||
| Short-term interest-bearing accounts | 78,973 | 31,378 | ||
| Equity securities, at fair value | 42,372 | 37,591 | ||
| Securities available for sale, at fair value | 1,574,664 | 1,430,858 | ||
| Securities held to maturity (fair value $749,945 and $814,524, respectively) | 842,921 | 905,267 | ||
| Federal Reserve and Federal Home Loan Bank stock | 33,957 | 45,861 | ||
| Loans held for sale | 9,744 | 3,371 | ||
| Loans | 9,969,910 | 9,650,713 | ||
| Less allowance for loan losses | 116,000 | 114,400 | ||
| Net loans | $9,853,910 | $9,536,313 | ||
| Premises and equipment, net | 80,840 | 80,675 | ||
| Goodwill | 362,663 | 361,851 | ||
| Intangible assets, net | 36,360 | 40,443 | ||
| Bank owned life insurance | 272,657 | 265,732 | ||
| Other assets | 392,522 | 395,889 | ||
| Total assets | $13,786,666 | $13,309,040 | ||
| Liabilities | ||||
| Demand (noninterest bearing) | $3,446,068 | $3,413,829 | ||
| Savings, NOW and money market | 6,658,188 | 6,230,456 | ||
| Time | 1,442,505 | 1,324,709 | ||
| Total deposits | $11,546,761 | $10,968,994 | ||
| Short-term borrowings | 162,942 | 386,651 | ||
| Long-term debt | 29,644 | 29,796 | ||
| Subordinated debt, net | 121,201 | 119,744 | ||
| Junior subordinated debt | 101,196 | 101,196 | ||
| Other liabilities | 298,781 | 276,968 | ||
| Total liabilities | $12,260,525 | $11,883,349 | ||
| Stockholders’ equity | ||||
| Preferred stock, $0.01 par value, 2,500,000 shares authorized | $ | - | $ | - |
| Common stock, $0.01 par value, 100,000,000 shares authorized; 53,974,492 shares issued | 540 | 540 | ||
| Additional paid-in-capital | 742,810 | 740,943 | ||
| Retained earnings | 1,100,209 | 1,021,831 | ||
| Accumulated other comprehensive loss | (142,098) | (160,934) | ||
| Common stock in treasury, at cost, 6,779,975 and 6,864,593 shares, respectively | (175,320) | (176,689) | ||
| Total stockholders’ equity | $1,526,141 | $1,425,691 | ||
| Total liabilities and stockholders’ equity | $13,786,666 | $13,309,040 | ||
Consolidated
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