NBT Bancorp Inc (NBTB) — Net Asset Quality Index
NBT Bancorp Inc (NBTB) has a Net Asset Quality Index of 11.9% as of December 2025. This metric measures the proportion of total assets financed by shareholders' equity — total assets of $16.00 Billion minus total liabilities of $14.10 Billion yields net assets of $1.90 Billion. A higher index indicates a stronger, lower-leverage balance sheet. Check asset resilience ratio of NBT Bancorp Inc to evaluate the company's liquid asset resilience ratio.
Quality Index
Net Assets
Total Assets
Total Liabilities
NBT Bancorp Inc Net Asset Quality Index Over Time (1991–2025)
This chart shows how NBT Bancorp Inc's Net Asset Quality Index has evolved across 35 annual periods from 1991 to 2025. As of December 2025, the index stands at 11.9%, representing net assets of $1.90 Billion against total assets of $16.00 Billion USD. See NBTB working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Net Asset Quality Index for NBT Bancorp Inc (1991–2025)
The table below presents the year-by-year Net Asset Quality Index for NBT Bancorp Inc from 1991 to 2025, covering 35 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For market capitalisation and the full company profile, see NBT Bancorp Inc market capitalisation.
| Year | Quality Index | Net Assets (USD) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 11.9% | $1.90 Billion | $16.00 Billion | $14.10 Billion | ▲ +0.8 pp |
| 2024 | 11.1% | $1.53 Billion | $13.79 Billion | $12.26 Billion | ▲ +0.4 pp |
| 2023 | 10.7% | $1.43 Billion | $13.31 Billion | $11.88 Billion | ▲ +0.7 pp |
| 2022 | 10.0% | $1.17 Billion | $11.74 Billion | $10.57 Billion | ▼ -0.4 pp |
| 2021 | 10.4% | $1.25 Billion | $12.01 Billion | $10.76 Billion | ▼ -0.5 pp |
| 2020 | 10.9% | $1.19 Billion | $10.93 Billion | $9.75 Billion | ▼ -0.7 pp |
| 2019 | 11.5% | $1.12 Billion | $9.72 Billion | $8.60 Billion | ▲ +0.9 pp |
| 2018 | 10.7% | $1.02 Billion | $9.56 Billion | $8.54 Billion | ▲ +0.2 pp |
| 2017 | 10.5% | $958.18 Million | $9.14 Billion | $8.18 Billion | ▲ +0.2 pp |
| 2016 | 10.3% | $913.32 Million | $8.87 Billion | $7.95 Billion | ▼ -0.4 pp |
| 2015 | 10.7% | $882.00 Million | $8.26 Billion | $7.38 Billion | ▼ -0.4 pp |
| 2014 | 11.1% | $864.18 Million | $7.80 Billion | $6.93 Billion | ▲ +0.4 pp |
| 2013 | 10.7% | $816.57 Million | $7.65 Billion | $6.84 Billion | ▲ +1.0 pp |
| 2012 | 9.6% | $582.27 Million | $6.04 Billion | $5.46 Billion | ▲ +0.0 pp |
| 2011 | 9.6% | $538.11 Million | $5.60 Billion | $5.06 Billion | ▼ -0.4 pp |
| 2010 | 10.0% | $533.57 Million | $5.34 Billion | $4.81 Billion | ▲ +0.7 pp |
| 2009 | 9.2% | $505.12 Million | $5.46 Billion | $4.96 Billion | ▲ +1.2 pp |
| 2008 | 8.1% | $431.85 Million | $5.34 Billion | $4.90 Billion | ▲ +0.5 pp |
| 2007 | 7.6% | $397.30 Million | $5.20 Billion | $4.80 Billion | ▼ -0.3 pp |
| 2006 | 7.9% | $403.82 Million | $5.09 Billion | $4.68 Billion | ▲ +0.4 pp |
| 2005 | 7.5% | $333.94 Million | $4.43 Billion | $4.09 Billion | ▼ -0.3 pp |
| 2004 | 7.9% | $332.23 Million | $4.21 Billion | $3.88 Billion | ▼ -0.2 pp |
| 2003 | 8.1% | $327.03 Million | $4.05 Billion | $3.72 Billion | ▼ -0.2 pp |
| 2002 | 8.3% | $309.38 Million | $3.72 Billion | $3.41 Billion | ▲ +0.5 pp |
| 2001 | 7.8% | $283.36 Million | $3.64 Billion | $3.35 Billion | ▼ -0.2 pp |
| 2000 | 8.0% | $286.64 Million | $3.61 Billion | $3.32 Billion | ▼ -0.1 pp |
| 1999 | 8.0% | $191.47 Million | $2.38 Billion | $2.19 Billion | ▼ -2.1 pp |
| 1998 | 10.1% | $130.60 Million | $1.29 Billion | $1.16 Billion | ▲ +0.5 pp |
| 1997 | 9.6% | $123.30 Million | $1.28 Billion | $1.16 Billion | ▲ +0.3 pp |
| 1996 | 9.3% | $106.30 Million | $1.14 Billion | $1.03 Billion | ▼ -0.4 pp |
| 1995 | 9.8% | $108.00 Million | $1.11 Billion | $998.30 Million | ▲ +0.4 pp |
| 1994 | 9.4% | $98.30 Million | $1.04 Billion | $946.30 Million | ▼ -1.2 pp |
| 1993 | 10.6% | $101.10 Million | $953.90 Million | $852.80 Million | ▼ -0.2 pp |
| 1992 | 10.8% | $94.00 Million | $868.60 Million | $774.60 Million | ▲ +0.4 pp |
| 1991 | 10.5% | $87.80 Million | $838.90 Million | $751.10 Million | — |