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 NBT BANCORP INC.
NBT BANCORP INC.
| RSSD ID 1139279 | CIK 790359 |
| 52 SOUTH BROAD STREET |
Quarter Ended : |
2025-12-31 |
| NORWICH, NY, 13815 |
Updated : |
2026-03-07 |
| WWW.NBTBANK.COM |
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| Institution Profile |
| Year Opened : |
1986 |
Institution Type : |
Holding Company |
| Reserve District : |
New York |
Federal Regulator : |
FED |
| Entity Type : |
Financial Holding Company - Domestic |
Fiscal Year End : |
12/31 |
| Structure : |
Corporation (stock) |
S-Corp : |
No |
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| SEC Submissions : |
 NBT BANCORP INC |
| External Auditor : |
KPMG LLP |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total assets | 15,995,121 |
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Total interest income | 710,992 |
| Total liabilities | 14,098,905 |
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Total noninterest income | 195,474 |
| Total holding company equity capital | 1,896,216 |
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Total interest expense | 209,446 |
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Total noninterest expense | 444,095 |
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| Capital Ratios |
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Loans and Leases
(USD, in thousands) |
| Leverage ratio | 9.481 |
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Loans secured by real estate (Consolidated) | 7,813,263 |
| Tier1 capital ratio | 12.0718 |
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Commercial and industrial loans | 1,435,332 |
| Total capital ratio | 14.238 |
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Total (Consolidated) | 11,599,222 |
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:· NBT BANCORP INC.
