NBT Bancorp Inc (NBTB) — Tangible Net Worth Ratio
NBT Bancorp Inc (NBTB) has a Tangible Net Worth Ratio of 97.0% as of December 2025. This metric is calculated by deducting intangible assets ($57.66 Million) from net assets ($1.90 Billion) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. See NBT Bancorp Inc (NBTB) working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
NBT Bancorp Inc Tangible Net Worth Ratio (1991–2025)
This chart shows how NBT Bancorp Inc's Tangible Net Worth Ratio has changed across 35 annual periods from 1991 to 2025. As of December 2025, the ratio stands at 97.0%, reflecting net assets of $1.90 Billion with intangible assets of $57.66 Million USD. See NBT Bancorp Inc defensive interval ratio to measure how many days the company can operate on defensive assets alone.
Annual Tangible Net Worth Ratio for NBT Bancorp Inc (1991–2025)
The table below presents the year-by-year Tangible Net Worth Ratio for NBT Bancorp Inc from 1991 to 2025, covering 35 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. For the full company profile including market capitalisation, see NBT Bancorp Inc market capitalisation.
| Year | Tangible NW Ratio | Net Assets (USD) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 97.0% | $1.90 Billion | $57.66 Million | $16.00 Billion | ▼ -0.7 pp |
| 2024 | 97.6% | $1.53 Billion | $36.36 Million | $13.79 Billion | ▲ +0.5 pp |
| 2023 | 97.2% | $1.43 Billion | $40.44 Million | $13.31 Billion | ▼ -2.2 pp |
| 2022 | 99.4% | $1.17 Billion | $7.34 Million | $11.74 Billion | ▲ +0.1 pp |
| 2021 | 99.3% | $1.25 Billion | $8.93 Million | $12.01 Billion | ▲ +0.3 pp |
| 2020 | 99.0% | $1.19 Billion | $11.73 Million | $10.93 Billion | ▲ +0.1 pp |
| 2019 | 98.9% | $1.12 Billion | $12.02 Million | $9.72 Billion | ▲ +0.5 pp |
| 2018 | 98.5% | $1.02 Billion | $15.60 Million | $9.56 Billion | ▼ -0.1 pp |
| 2017 | 98.6% | $958.18 Million | $13.42 Million | $9.14 Billion | ▲ +0.3 pp |
| 2016 | 98.3% | $913.32 Million | $15.81 Million | $8.87 Billion | ▲ +0.2 pp |
| 2015 | 98.0% | $882.00 Million | $17.27 Million | $8.26 Billion | ▲ +0.4 pp |
| 2014 | 97.6% | $864.18 Million | $20.32 Million | $7.80 Billion | ▲ +0.8 pp |
| 2013 | 96.9% | $816.57 Million | $25.56 Million | $7.65 Billion | ▼ -0.2 pp |
| 2012 | 97.1% | $582.27 Million | $16.96 Million | $6.04 Billion | ▲ +0.5 pp |
| 2011 | 96.6% | $538.11 Million | $18.19 Million | $5.60 Billion | ▼ -0.1 pp |
| 2010 | 96.7% | $533.57 Million | $17.54 Million | $5.34 Billion | ▲ +0.8 pp |
| 2009 | 95.9% | $505.12 Million | $20.59 Million | $5.46 Billion | ▲ +1.3 pp |
| 2008 | 94.6% | $431.85 Million | $23.37 Million | $5.34 Billion | ▼ -2.9 pp |
| 2007 | 97.4% | $397.30 Million | $10.17 Million | $5.20 Billion | ▲ +0.4 pp |
| 2006 | 97.0% | $403.82 Million | $11.98 Million | $5.09 Billion | ▼ -1.8 pp |
| 2005 | 98.9% | $333.94 Million | $3.81 Million | $4.43 Billion | ▼ -0.5 pp |
| 2004 | 99.4% | $332.23 Million | $2.01 Million | $4.21 Billion | ▲ +14.6 pp |
| 2003 | 84.8% | $327.03 Million | $49.85 Million | $4.05 Billion | ▲ +0.4 pp |
| 2002 | 84.4% | $309.38 Million | $48.37 Million | $3.72 Billion | ▲ +2.3 pp |
| 2001 | 82.1% | $283.36 Million | $50.69 Million | $3.64 Billion | ▼ -8.2 pp |
| 2000 | 90.3% | $286.64 Million | $27.74 Million | $3.61 Billion | ▼ -9.7 pp |
| 1999 | 100.0% | $191.47 Million | $0.00 | $2.38 Billion | ▲ +0.0 pp |
| 1998 | 100.0% | $130.60 Million | $0.00 | $1.29 Billion | ▲ +0.0 pp |
| 1997 | 100.0% | $123.30 Million | $0.00 | $1.28 Billion | ▲ +0.0 pp |
| 1996 | 100.0% | $106.30 Million | $0.00 | $1.14 Billion | ▲ +0.0 pp |
| 1995 | 100.0% | $108.00 Million | $0.00 | $1.11 Billion | ▲ +0.0 pp |
| 1994 | 100.0% | $98.30 Million | $0.00 | $1.04 Billion | ▲ +0.0 pp |
| 1993 | 100.0% | $101.10 Million | $0.00 | $953.90 Million | ▲ +0.0 pp |
| 1992 | 100.0% | $94.00 Million | $0.00 | $868.60 Million | ▲ +0.0 pp |
| 1991 | 100.0% | $87.80 Million | $0.00 | $838.90 Million | — |