NBT Bancorp Inc Net Asset Quality Index
NBT Bancorp Inc net asset quality index. NBT Bancorp Inc (NBTB) has a Net Asset Quality Index of 12.0% as of June 2026. This metric measures the proportion of total assets financed by shareholders' equity — total assets of $16.21 Billion minus total liabilities of $14.27 Billion yields net assets of $1.94 Billion. A higher index indicates a stronger, lower-leverage balance sheet. See NBT Bancorp Inc net assets for net asset value and shareholders' equity analysis.
Quality Index
Net Assets
Total Assets
Total Liabilities
Net Asset Quality Index of NBT Bancorp Inc (1991–2025)
Net asset quality index of NBT Bancorp Inc from 1991 to 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 June 2026, the index stands at 12.0%, representing net assets of $1.94 Billion against total assets of $16.21 Billion USD. Check NBT Bancorp Inc strategic asset allocation index to assess the company's strategic physical and investment asset allocation.
NBT Bancorp Inc Net Asset Quality Index by Year (1991–2025)
NBT Bancorp Inc net asset quality index by year from 1991 to 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 live market cap and overall valuation, see NBT Bancorp Inc stock valuation.
| 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 | — |