NBT BANCORP INC
For the period ended Mar 31, 2026. Filed May 8, 2026.
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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.
Mar 31, 2026 · Filed May 8, 2026
NBTB$52.83-0.3%Stored close · as of Nov 6, 2026
Contents
Item 1. Consolidated Balance Sheets
Consolidated Balance Sheets (unaudited)
| March 31, · December 31, | ||||
|---|---|---|---|---|
| (In thousands, except share and per share data) · 2026 · 2025 | ||||
| Assets | ||||
| Cash and due from banks | $151,558 | $185,158 | ||
| Short-term interest-bearing accounts | 564,514 | 301,958 | ||
| Equity securities, at fair value | 47,186 | 48,760 | ||
| Securities available for sale, at fair value | 1,918,526 | 1,862,838 | ||
| Securities held to maturity (fair value $687,330 and $702,577, respectively) | 748,607 | 762,756 | ||
| Federal Reserve and Federal Home Loan Bank stock | 44,658 | 44,575 | ||
| Loans held for sale | 185 | 1,108 | ||
| Loans | 11,547,255 | 11,598,114 | ||
| Less allowance for loan losses | 138,600 | 138,000 | ||
| Net loans | $11,408,655 | $11,460,114 | ||
| Premises and equipment, net | 100,253 | 99,277 | ||
| Goodwill | 453,278 | 453,278 | ||
| Intangible assets, net | 54,308 | 57,656 | ||
| Bank owned life insurance | 319,397 | 317,733 | ||
| Other assets | 393,281 | 399,910 | ||
| Total assets | $16,204,406 | $15,995,121 | ||
| Liabilities | ||||
| Demand (noninterest bearing) | $3,847,041 | $3,800,209 | ||
| Savings, interest-bearing checking and money market | 8,508,200 | 8,206,539 | ||
| Time | 1,387,725 | 1,492,445 | ||
| Total deposits | $13,742,966 | $13,499,193 | ||
| Short-term borrowings | 117,806 | 148,069 | ||
| Long-term debt | 43,110 | 43,176 | ||
| Subordinated debt, net | 24,800 | 24,509 | ||
| Junior subordinated debt | 111,691 | 111,668 | ||
| Other liabilities | 249,636 | 272,290 | ||
| Total liabilities | $14,290,009 | $14,098,905 | ||
| 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 shares issued | 591 | 591 | ||
| Additional paid-in-capital | 965,891 | 964,778 | ||
| Retained earnings | 1,228,753 | 1,196,850 | ||
| Accumulated other comprehensive loss | (87,315) | (82,596) | ||
| Common stock in treasury, at cost, 7,073,509 and 6,880,200 shares, respectively | (193,523) | (183,407) | ||
| Total stockholders’ equity | $1,914,397 | $1,896,216 | ||
| Total liabilities and stockholders’ equity | $16,204,406 | $15,995,121 | ||
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