NBT BANCORP INC
For the period ended Sep 30, 2025. Filed Nov 7, 2025.
View on SEC.govAbout this filing
A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 7, 2025
NBTB$52.83-0.3%Stored close · as of Nov 6, 2026
Contents
Item 1. Consolidated Balance Sheets
| September 30, · December 31, | ||||
|---|---|---|---|---|
| (In thousands, except share and per share data) · 2025 · 2024 | ||||
| Assets | ||||
| Cash and due from banks | $245,757 | $205,083 | ||
| Short-term interest-bearing accounts | 394,485 | 78,973 | ||
| Equity securities, at fair value | 49,607 | 42,372 | ||
| Securities available for sale, at fair value | 1,813,194 | 1,574,664 | ||
| Securities held to maturity (fair value $706,291 and $749,945, respectively) | 771,474 | 842,921 | ||
| Federal Reserve and Federal Home Loan Bank stock | 44,650 | 33,957 | ||
| Loans held for sale | 3,926 | 9,744 | ||
| Loans | 11,595,134 | 9,969,910 | ||
| Less allowance for loan losses | 139,000 | 116,000 | ||
| Net loans | $11,456,134 | $9,853,910 | ||
| Premises and equipment, net | 98,669 | 80,840 | ||
| Goodwill | 454,072 | 362,663 | ||
| Intangible assets, net | 61,018 | 36,360 | ||
| Bank owned life insurance | 317,677 | 272,657 | ||
| Other assets | 401,921 | 392,522 | ||
| Total assets | $16,112,584 | $13,786,666 | ||
| Liabilities | ||||
| Demand (noninterest bearing) | $3,871,074 | $3,446,068 | ||
| Savings, interest-bearing checking and money market | 8,197,697 | 6,658,188 | ||
| Time | 1,592,147 | 1,442,505 | ||
| Total deposits | $13,660,918 | $11,546,761 | ||
| Short-term borrowings | 138,729 | 162,942 | ||
| Long-term debt | 44,762 | 29,644 | ||
| Subordinated debt, net | 24,223 | 121,201 | ||
| Junior subordinated debt | 111,644 | 101,196 | ||
| Other liabilities | 279,162 | 298,781 | ||
| Total liabilities | $14,259,438 | $12,260,525 | ||
| Stockholders’ equity | ||||
| Preferred stock, $0.01 par value. 2,500,000 shares authorized | $ | - | $ | - |
| Common stock, $0.01 par value. 100,000,000 shares authorized; 59,083,155 and 53,974,492 shares issued, respectively | 591 | 540 | ||
| Additional paid-in-capital | 964,116 | 742,810 | ||
| Retained earnings | 1,160,656 | 1,100,209 | ||
| Accumulated other comprehensive loss | (98,880) | (142,098) | ||
| Common stock in treasury, at cost, 6,634,501 and 6,779,975 shares, respectively | (173,337) | (175,320) | ||
| Total stockholders’ equity | $1,853,146 | $1,526,141 | ||
| Total liabilities and stockholders’ equity | $16,112,584 | $13,786,666 | ||
ConsolidatedStatements ofIncome
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