NBT Bancorp Inc (NBTB) - Total Assets
Based on the latest financial reports, NBT Bancorp Inc (NBTB) holds total assets worth $16.00 Billion USD as of December 2025. Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments. Explore NBTB operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.
NBT Bancorp Inc - Total Assets Trend (1991–2025)
This chart illustrates how NBT Bancorp Inc's total assets have evolved over time, based on quarterly financial data. See shareholders equity of NBT Bancorp Inc for net asset value and shareholders' equity analysis.
NBT Bancorp Inc - Asset Composition Analysis
Current Asset Composition (December 2025)
NBT Bancorp Inc's total assets of $16.00 Billion consist of 12.8% current assets and 87.2% non-current assets.
| Asset Category | Amount (USD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 1.2% |
| Accounts Receivable | $0.00 | 0.0% |
| Inventory | $0.00 | 0.0% |
| Property, Plant & Equipment | $0.00 | 0.0% |
| Intangible Assets | $57.66 Million | 0.4% |
| Goodwill | $453.28 Million | 2.8% |
Asset Composition Trend (1991–2025)
This chart illustrates how NBT Bancorp Inc's asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution. For live market cap, price, and company overview, see NBTB market cap.
Key Asset Composition Facts
- Current vs. Non-Current Assets: NBT Bancorp Inc's current assets represent 12.8% of total assets in 2025, an increase from 7.4% in 1991.
- Cash Position: Cash and equivalents constituted 1.2% of total assets in 2025, down from 7.4% in 1991.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 2.0% of total assets, an increase from 0.0% in 1991.
- Asset Diversification: The largest asset category is goodwill at 2.8% of total assets.
NBT Bancorp Inc Competitors by Total Assets
Key competitors of NBT Bancorp Inc based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Deutsche Bank Aktiengesellschaft
F:DBK
|
Germany | €1.48 Trillion |
|
Regions Financial Corporation
NYSE:RF
|
USA | $160.74 Billion |
|
Bank of Hangzhou Co Ltd
SHG:600926
|
China | CN¥2.44 Trillion |
|
Banco Santander Chile
SN:BSANTANDER
|
Chile | CL$69.90 Trillion |
|
Grupo Financiero Inbursa S.A.B. de C.V
MX:GFINBURO
|
Mexico | MX$860.26 Billion |
|
SpareBank 1 Sør-Norge ASA
OL:SB1NO
|
Norway | Nkr519.43 Billion |
|
Synovus Financial Corp
NYSE:SNV
|
USA | $60.49 Billion |
|
Bank of Queensland Ltd
AU:BOQ
|
Australia | AU$98.30 Billion |
NBT Bancorp Inc - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 13.83 | 0.04 | 0.26 |
| Quick Ratio | 13.83 | 0.04 | 0.26 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | $1.90 Billion | $-11.29 Billion | $-7.37 Billion |
NBT Bancorp Inc - Advanced Valuation Insights
This section examines the relationship between NBT Bancorp Inc's asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 1.26 |
| Latest Market Cap to Assets Ratio | 0.15 |
| Asset Growth Rate (YoY) | 16.0% |
| Total Assets | $16.00 Billion |
| Market Capitalization | $2.39 Billion USD |
Valuation Analysis
Below Book Valuation: The market values NBT Bancorp Inc's assets below their book value (0.15x), which may indicate investor concerns about asset quality or future growth.
Rapid Asset Growth: NBT Bancorp Inc's assets grew by 16.0% over the past year, indicating significant expansion of the company's resource base.
Annual Total Assets for NBT Bancorp Inc (1991–2025)
The table below shows the annual total assets of NBT Bancorp Inc from 1991 to 2025.
| Year | Total Assets | Change |
|---|---|---|
| 2025-12-31 | $16.00 Billion | +16.02% |
| 2024-12-31 | $13.79 Billion | +3.59% |
| 2023-12-31 | $13.31 Billion | +13.37% |
| 2022-12-31 | $11.74 Billion | -2.27% |
| 2021-12-31 | $12.01 Billion | +9.87% |
| 2020-12-31 | $10.93 Billion | +12.53% |
| 2019-12-31 | $9.72 Billion | +1.67% |
| 2018-12-31 | $9.56 Billion | +4.59% |
| 2017-12-31 | $9.14 Billion | +3.04% |
| 2016-12-31 | $8.87 Billion | +7.32% |
| 2015-12-31 | $8.26 Billion | +5.96% |
| 2014-12-31 | $7.80 Billion | +1.90% |
| 2013-12-31 | $7.65 Billion | +26.64% |
| 2012-12-31 | $6.04 Billion | +7.93% |
| 2011-12-31 | $5.60 Billion | +4.86% |
| 2010-12-31 | $5.34 Billion | -2.29% |
| 2009-12-31 | $5.46 Billion | +2.40% |
| 2008-12-31 | $5.34 Billion | +2.58% |
| 2007-12-31 | $5.20 Billion | +2.24% |
| 2006-12-31 | $5.09 Billion | +14.93% |
| 2005-12-31 | $4.43 Billion | +5.09% |
| 2004-12-31 | $4.21 Billion | +4.09% |
| 2003-12-31 | $4.05 Billion | +8.68% |
| 2002-12-31 | $3.72 Billion | +2.35% |
| 2001-12-31 | $3.64 Billion | +0.91% |
| 2000-12-31 | $3.61 Billion | +51.45% |
| 1999-12-31 | $2.38 Billion | +84.55% |
| 1998-12-31 | $1.29 Billion | +0.73% |
| 1997-12-31 | $1.28 Billion | +12.43% |
| 1996-12-31 | $1.14 Billion | +2.96% |
| 1995-12-31 | $1.11 Billion | +5.91% |
| 1994-12-31 | $1.04 Billion | +9.51% |
| 1993-12-31 | $953.90 Million | +9.82% |
| 1992-12-31 | $868.60 Million | +3.54% |
| 1991-12-31 | $838.90 Million | -- |
About NBT Bancorp Inc
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