NBT BANCORP INC (NBTB)

Comprehensive financial analysis for NBT BANCORP INC (NBTB) based on SEC EDGAR filings. Data updated daily from official 10-K and 10-Q reports.

Company Information

Legal Name
NBT BANCORP INC
Ticker Symbol
NBTB
Exchange
NASDAQ
CIK Number
0000790359
SIC Code
6021
Industry
National Commercial Banks
Shares Outstanding
52.4M

Profitability & Efficiency Metrics

Return on Equity (ROE)
8.71%
Return on Average Assets (ROAA)
1.02%
Efficiency Ratio
65.8%
Deposits to Assets
84.8%
Loans to Deposits
83.9%

Valuation Metrics

Book Value Per Share (BVPS)
$35.33
Graham Number
$49.08

Capital & Balance Sheet

Equity to Assets
11.50%
Loans to Assets
71.1%
Total Assets
$16.11B
Total Deposits
$13.66B
Total Equity
$1853.1M

TTM Performance

Net Income (TTM)
$149.7M
Net Interest Income (TTM)
$472.2M
Earnings Per Share (TTM)
$3.03
Dividend Per Share (TTM)
$1.39
Dividend Payout Ratio
45.9%

SEC Filing Data

All financial data for NBT BANCORP INC is sourced directly from SEC EDGAR filings including 10-K annual reports and 10-Q quarterly statements. Metrics are calculated using trailing twelve month (TTM) methodology with data through 2025-09-30.

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