NBT Bancorp Inc

NASDAQ:NBTB USA Banks - Regional
Market Cap
$2.13 Billion
Market Cap Rank
#4872 Global
#2966 in USA
Share Price
$40.62
Change (1 day)
-1.67%
52-Week Range
$38.62 - $46.65
All Time High
$52.33
Categories
Companies in USA Banks - Regional Banking & Financial
About

NBT Bancorp Inc., a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. The company's loan portfolio comprises indirect and direct consumer, home equity, mortgages, business banking loans, and commercia… Read more

NBT Bancorp Inc (NBTB) - Net Assets

Latest net assets as of December 2025: $1.90 Billion USD

Based on the latest financial reports, NBT Bancorp Inc (NBTB) has net assets worth $1.90 Billion USD as of December 2025.

Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($16.00 Billion) and total liabilities ($14.10 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.

Key Net Assets Metrics

Metric Value
Current Net Assets $1.90 Billion
% of Total Assets 11.85%
Annual Growth Rate 9.46%
5-Year Change 51.64%
10-Year Change 107.62%
Growth Volatility 12.96

NBT Bancorp Inc - Net Assets Trend (1991–2025)

This chart illustrates how NBT Bancorp Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.

Annual Net Assets for NBT Bancorp Inc (1991–2025)

The table below shows the annual net assets of NBT Bancorp Inc from 1991 to 2025.

Year Net Assets Change
2025-12-31 $1.90 Billion +24.25%
2024-12-31 $1.53 Billion +7.05%
2023-12-31 $1.43 Billion +21.48%
2022-12-31 $1.17 Billion -6.15%
2021-12-31 $1.25 Billion +5.29%
2020-12-31 $1.19 Billion +6.00%
2019-12-31 $1.12 Billion +10.07%
2018-12-31 $1.02 Billion +6.23%
2017-12-31 $958.18 Million +4.91%
2016-12-31 $913.32 Million +3.55%
2015-12-31 $882.00 Million +2.06%
2014-12-31 $864.18 Million +5.83%
2013-12-31 $816.57 Million +40.24%
2012-12-31 $582.27 Million +8.21%
2011-12-31 $538.11 Million +0.85%
2010-12-31 $533.57 Million +5.63%
2009-12-31 $505.12 Million +16.97%
2008-12-31 $431.85 Million +8.69%
2007-12-31 $397.30 Million -1.61%
2006-12-31 $403.82 Million +20.92%
2005-12-31 $333.94 Million +0.51%
2004-12-31 $332.23 Million +1.59%
2003-12-31 $327.03 Million +5.71%
2002-12-31 $309.38 Million +9.19%
2001-12-31 $283.36 Million -1.15%
2000-12-31 $286.64 Million +49.70%
1999-12-31 $191.47 Million +46.61%
1998-12-31 $130.60 Million +5.92%
1997-12-31 $123.30 Million +15.99%
1996-12-31 $106.30 Million -1.57%
1995-12-31 $108.00 Million +9.87%
1994-12-31 $98.30 Million -2.77%
1993-12-31 $101.10 Million +7.55%
1992-12-31 $94.00 Million +7.06%
1991-12-31 $87.80 Million --

Equity Component Analysis

This analysis shows how different components contribute to NBT Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

  • Retained earnings have decreased by 100.0% over the analyzed period, potentially due to dividend distributions or operating losses.

Current Equity Component Breakdown (December 2025)

Component Amount Percentage
Other Components $1.90 Billion 100.00%
Total Equity $1.90 Billion 100.00%

NBT Bancorp Inc Competitors by Market Cap

The table below lists competitors of NBT Bancorp Inc ranked by their market capitalization.

Company Market Cap
Adamas Trust, Inc.
NASDAQ:ADAMG
 		$2.07 Billion
Grupa KĘTY SA
WAR:KTY
 		$2.07 Billion
Godrej Properties Limited
NSE:GODREJPROP
 		$2.07 Billion
Xiamen Faratronic Co Ltd
SHG:600563
 		$2.07 Billion
Knowles Corp.
LSE:0JRJ
 		$2.07 Billion
Minerals Technologies Inc
NYSE:MTX
 		$2.07 Billion
COMFORTDELGRO
F:VZ1
 		$2.07 Billion
Filo Mining Corp
OTCQX:FLMMF
 		$2.07 Billion

Equity Growth Attribution

This analysis shows how different factors contributed to changes in NBT Bancorp Inc's equity between the two most recent reporting periods.

Equity Growth Insights

  • From 2024 to 2025, total equity changed from 1,526,141,000 to 1,896,216,000, a change of 370,075,000 (24.2%).
  • Net income of 169,235,000 contributed positively to equity growth.
  • Other comprehensive income increased equity by 142,098,000.
  • Other factors increased equity by 58,742,000.

Equity Change Factors (2024 to 2025)

Factor Impact Contribution
Net Income $169.24 Million +8.92%
Other Comprehensive Income $142.10 Million +7.49%
Other Changes $58.74 Million +3.1%
Total Change $- 24.25%

Book Value vs Market Value Analysis

This analysis compares NBT Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

  • Current price-to-book ratio: 1.09x
  • The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
  • The price-to-book ratio has decreased from 5.95x to 1.09x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date Book Value per Share Market Price P/B Ratio
1991-12-31 $6.83 $40.62 x
1992-12-31 $7.40 $40.62 x
1993-12-31 $7.85 $40.62 x
1994-12-31 $6.79 $40.62 x
1995-12-31 $7.94 $40.62 x
1996-12-31 $8.03 $40.62 x
1997-12-31 $9.36 $40.62 x
1998-12-31 $4.31 $40.62 x
1999-12-31 $6.32 $40.62 x
2000-12-31 $8.90 $40.62 x
2001-12-31 $7.84 $40.62 x
2002-12-31 $8.77 $40.62 x
2003-12-31 $9.41 $40.62 x
2004-12-31 $10.02 $40.62 x
2005-12-31 $10.19 $40.62 x
2006-12-31 $11.84 $40.62 x
2007-12-31 $11.89 $40.62 x
2008-12-31 $13.32 $40.62 x
2009-12-31 $14.86 $40.62 x
2010-12-31 $15.46 $40.62 x
2011-12-31 $15.86 $40.62 x
2012-12-31 $17.27 $40.62 x
2013-12-31 $19.28 $40.62 x
2014-12-31 $19.47 $40.62 x
2015-12-31 $19.87 $40.62 x
2016-12-31 $20.94 $40.62 x
2017-12-31 $21.82 $40.62 x
2018-12-31 $23.12 $40.62 x
2019-12-31 $25.39 $40.62 x
2020-12-31 $27.00 $40.62 x
2021-12-31 $28.60 $40.62 x
2022-12-31 $27.18 $40.62 x
2023-12-31 $31.84 $40.62 x
2024-12-31 $32.17 $40.62 x
2025-12-31 $37.27 $40.62 x

Capital Efficiency Dashboard

This dashboard shows how efficiently NBT Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

  • Current Return on Equity (ROE): 8.92%
  • The company has moderate efficiency in generating returns from equity.
  • DuPont Analysis Breakdown:
  • • Net Profit Margin: 19.51%
  • • Asset Turnover: 0.05x
  • • Equity Multiplier: 8.44x
  • Recent ROE (8.92%) is below the historical average (10.72%), suggesting potential challenges in capital efficiency.

Historical Capital Efficiency Metrics

Year Return on Equity Net Profit Margin Asset Turnover Equity Multiplier Economic Value Added
1991 8.20% 8.33% 0.10x 9.55x $-1.58 Million
1992 8.51% 10.10% 0.09x 9.24x $-1.40 Million
1993 8.41% 11.08% 0.08x 9.44x $-1.61 Million
1994 6.61% 8.40% 0.07x 10.63x $-3.33 Million
1995 8.61% 11.01% 0.08x 10.24x $-1.50 Million
1996 11.48% 13.08% 0.08x 10.71x $1.57 Million
1997 11.92% 14.09% 0.08x 10.39x $2.37 Million
1998 20.59% 15.27% 0.14x 9.88x $13.84 Million
1999 17.02% 13.40% 0.10x 12.43x $13.44 Million
2000 5.25% 5.00% 0.08x 13.37x $-12.81 Million
2001 1.40% 1.34% 0.08x 13.66x $-22.90 Million
2002 15.39% 17.39% 0.07x 12.74x $15.76 Million
2003 15.19% 19.22% 0.06x 13.05x $16.10 Million
2004 15.06% 19.93% 0.06x 12.68x $16.82 Million
2005 15.70% 18.80% 0.06x 13.26x $19.04 Million
2006 13.85% 16.58% 0.07x 12.60x $15.57 Million
2007 12.67% 13.76% 0.07x 13.09x $10.60 Million
2008 13.51% 15.94% 0.07x 12.36x $15.17 Million
2009 10.30% 14.71% 0.06x 10.82x $1.50 Million
2010 10.76% 17.05% 0.06x 10.01x $4.05 Million
2011 10.76% 18.23% 0.06x 10.40x $4.09 Million
2012 9.37% 16.83% 0.05x 10.38x $-3.67 Million
2013 7.56% 16.72% 0.05x 9.37x $-19.91 Million
2014 8.69% 19.84% 0.05x 9.02x $-11.34 Million
2015 8.66% 19.86% 0.05x 9.37x $-11.78 Million
2016 8.59% 19.64% 0.05x 9.71x $-12.92 Million
2017 8.57% 19.32% 0.05x 9.54x $-13.67 Million
2018 11.06% 24.22% 0.05x 9.39x $10.78 Million
2019 10.80% 23.85% 0.05x 8.67x $8.98 Million
2020 8.79% 21.25% 0.04x 9.21x $-14.37 Million
2021 12.39% 31.31% 0.04x 9.61x $29.84 Million
2022 12.95% 28.30% 0.05x 10.00x $34.64 Million
2023 8.33% 17.93% 0.05x 9.34x $-23.79 Million
2024 9.22% 17.89% 0.06x 9.03x $-11.97 Million
2025 8.92% 19.51% 0.05x 8.44x $-20.39 Million

Industry Comparison

This section compares NBT Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.

Industry Context

  • Industry: Banks - Regional
  • Average net assets among peers: $22,823,266,317
  • Average return on equity (ROE) among peers: 14.64%

Peer Company Comparison

Company Net Assets Return on Equity Debt-to-Equity Market Cap
NBT Bancorp Inc (NBTB) $1.90 Billion 8.20% 7.44x $2.07 Billion
Ameris Bancorp (ABCB) $514.76 Million 7.94% 9.86x $4.91 Billion
ACNB Corporation (ACNB) $106.80 Million 8.72% 8.79x $452.68 Million
Addiko Bank AG (ADBKF) $6.08 Billion 0.58% 0.00x $210.07 Million
Affinity Bancshares Inc (AFBI) $80.78 Million 3.82% 9.53x $79.98 Million
Absa Group Limited (AGRPF) $56.49 Billion 12.11% 11.71x $6.72 Billion
AIB Group plc (AIBGY) $2.74 Billion 18.02% 16.84x $21.72 Billion
Akbank Turk Anonim Sirketi (AKBTY) $153.61 Billion 39.08% 6.47x $8.60 Billion
Alpha Bank SA (ALBKY) $8.37 Billion 34.92% 7.81x $1.12 Billion
Community Capital Bancshares Inc (ALBY) $9.19 Million 7.09% 8.66x $19.76 Million
Alpine Banks of Colorado (ALPIB) $235.94 Million 14.17% 11.96x $248.47 Million