NBT Bancorp Inc Tangible Net Worth Ratio
NBT Bancorp Inc tangible net worth ratio. NBT Bancorp Inc (NBTB) has a Tangible Net Worth Ratio of 97.4% as of June 2026. This metric is calculated by deducting intangible assets ($51.12 Million) from net assets ($1.94 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. Check how strategically is NBT Bancorp Inc's equity deployed to assess the company's strategic physical and investment asset allocation.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
Tangible Net Worth Ratio of NBT Bancorp Inc (1991–2025)
Tangible net worth ratio of NBT Bancorp Inc from 1991 to 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 June 2026, the ratio stands at 97.4%, reflecting net assets of $1.94 Billion with intangible assets of $51.12 Million USD. See how liquid is NBT Bancorp Inc's working capital to evaluate short-term liquidity relative to the company's equity base.
NBT Bancorp Inc Tangible Net Worth Ratio by Year (1991–2025)
NBT Bancorp Inc tangible net worth ratio by year from 1991 to 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 live market cap and overall valuation, see market value of NBT Bancorp Inc.
| 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 | — |