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. Read NBTB liabilities breakdown for a breakdown of total debt and financial obligations.
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. For live market cap and overall valuation, see NBT Bancorp Inc stock valuation.
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. Check NBT Bancorp Inc PP&E and investment ratio to assess the company's strategic physical and investment asset allocation.
| 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 | — |