NBT BANCORP INC
For the period ended Dec 31, 2025. Filed Feb 27, 2026.
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FY2025 · Filed Feb 27, 2026
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
Balance Sheets
| December 31, | ||||
|---|---|---|---|---|
| (In thousands except share and per share data) · 2025 · 2024 | ||||
| Assets | ||||
| Cash and due from banks | $185,158 | $205,083 | ||
| Short-term interest-bearing accounts | 301,958 | 78,973 | ||
| Equity securities, at fair value | 48,760 | 42,372 | ||
| Securities available for sale, at fair value | 1,862,838 | 1,574,664 | ||
| Securities held to maturity (fair value $702,577 and $749,945, respectively) | 762,756 | 842,921 | ||
| Federal Reserve and Federal Home Loan Bank stock | 44,575 | 33,957 | ||
| Loans held for sale | 1,108 | 9,744 | ||
| Loans | 11,598,114 | 9,969,910 | ||
| Less allowance for loan losses | 138,000 | 116,000 | ||
| Net loans | $11,460,114 | $9,853,910 | ||
| Premises and equipment, net | 99,277 | 80,840 | ||
| Goodwill | 453,278 | 362,663 | ||
| Intangible assets, net | 57,656 | 36,360 | ||
| Bank owned life insurance | 317,733 | 272,657 | ||
| Other assets | 399,910 | 392,522 | ||
| Total assets | $15,995,121 | $13,786,666 | ||
| Liabilities | ||||
| Demand (noninterest bearing) | $3,800,209 | $3,446,068 | ||
| Savings, interest-bearing checking and money market | 8,206,539 | 6,658,188 | ||
| Time | 1,492,445 | 1,442,505 | ||
| Total deposits | $13,499,193 | $11,546,761 | ||
| Short-term borrowings | 148,069 | 162,942 | ||
| Long-term debt | 43,176 | 29,644 | ||
| Subordinated debt, net | 24,509 | 121,201 | ||
| Junior subordinated debt | 111,668 | 101,196 | ||
| Other liabilities | 272,290 | 298,781 | ||
| Total liabilities | $14,098,905 | $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 | 964,778 | 742,810 | ||
| Retained earnings | 1,196,850 | 1,100,209 | ||
| Accumulated other comprehensive loss | (82,596) | (142,098) | ||
| Common stock in treasury, at cost, 6,880,200 and 6,779,975 shares, respectively | (183,407) | (175,320) | ||
| Total stockholders’ equity | $1,896,216 | $1,526,141 | ||
| Total liabilities and stockholders’ equity | $15,995,121 | $13,786,666 | ||
Consolidated
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.