NBT Bancorp Inc (NBTB) - Total Liabilities
Based on the latest financial reports, NBT Bancorp Inc (NBTB) has total liabilities worth $14.10 Billion USD as of December 2025. Total liabilities represent everything the company owes to external parties, combining both current liabilities—like accounts payable, short-term debt, and accrued expenses—and non-current liabilities such as long-term debt, pension obligations, lease liabilities, and deferred tax liabilities.
NBT Bancorp Inc - Total Liabilities Trend (1991–2025)
This chart illustrates how NBT Bancorp Inc's total liabilities have evolved over time, based on quarterly financial data. See NBTB current assets to equity ratio to evaluate short-term liquidity relative to the company's equity base.
NBT Bancorp Inc Competitors by Total Liabilities
The table below lists competitors of NBT Bancorp Inc ranked by their total liabilities.
| Company | Country | Total Liabilities |
|---|---|---|
|
Werner Enterprises Inc
NASDAQ:WERN
|
USA | $1.88 Billion |
|
Shandong Fiberglass Group Co Ltd
SHG:605006
|
China | CN¥5.20 Billion |
|
DO & CO Aktiengesellschaft
VI:DOC
|
Austria | €737.35 Million |
|
BRP Inc
TO:DOO
|
Canada | CA$5.71 Billion |
|
Suzhou Nanomicro Technology Co Ltd
SHG:688690
|
China | CN¥309.13 Million |
|
Ebos Group Ltd
AU:EBO
|
Australia | AU$5.67 Billion |
|
NRW Holdings Ltd
AU:NWH
|
Australia | AU$1.41 Billion |
|
Ningbo Xusheng Auto Technology Co Ltd
SHG:603305
|
China | CN¥3.29 Billion |
Liability Composition Analysis (1991–2025)
This chart breaks down NBT Bancorp Inc's total liabilities into key components over time: long-term debt, short-term debt, other current liabilities, and other non-current liabilities. Toggle between absolute values and percentage view to see how the composition has shifted. For the full company profile including market capitalisation, see NBT Bancorp Inc market cap and net worth.
Liquidity & Leverage Metrics
Key Metrics Explained
| Metric | Value | Description |
|---|---|---|
| Current Ratio | 13.83 | Measures ability to pay short-term obligations (Current Assets ÷ Current Liabilities) |
| Quick Ratio | N/A | More stringent measure of short-term liquidity ((Current Assets - Inventory) ÷ Current Liabilities) |
| Cash Ratio | N/A | Most conservative liquidity measure (Cash & Equivalents ÷ Current Liabilities) |
| Debt to Equity | 7.44 | Measures financial leverage (Total Liabilities ÷ Shareholder Equity) |
| Debt to Assets | 0.88 | Portion of assets financed with debt (Total Liabilities ÷ Total Assets) |
Liability Trends Comparison
This chart compares key liability metrics across different time periods, showing how NBT Bancorp Inc's debt structure has evolved. The comparison includes total liabilities, long-term debt, and current liabilities.
Annual Total Liabilities for NBT Bancorp Inc (1991–2025)
The table below shows the annual total liabilities of NBT Bancorp Inc from 1991 to 2025.
| Year | Total Liabilities | Change |
|---|---|---|
| 2025-12-31 | $14.10 Billion | +14.99% |
| 2024-12-31 | $12.26 Billion | +3.17% |
| 2023-12-31 | $11.88 Billion | +12.47% |
| 2022-12-31 | $10.57 Billion | -1.82% |
| 2021-12-31 | $10.76 Billion | +10.43% |
| 2020-12-31 | $9.75 Billion | +13.38% |
| 2019-12-31 | $8.60 Billion | +0.67% |
| 2018-12-31 | $8.54 Billion | +4.40% |
| 2017-12-31 | $8.18 Billion | +2.82% |
| 2016-12-31 | $7.95 Billion | +7.77% |
| 2015-12-31 | $7.38 Billion | +6.45% |
| 2014-12-31 | $6.93 Billion | +1.44% |
| 2013-12-31 | $6.84 Billion | +25.19% |
| 2012-12-31 | $5.46 Billion | +7.90% |
| 2011-12-31 | $5.06 Billion | +5.31% |
| 2010-12-31 | $4.81 Billion | -3.10% |
| 2009-12-31 | $4.96 Billion | +1.11% |
| 2008-12-31 | $4.90 Billion | +2.08% |
| 2007-12-31 | $4.80 Billion | +2.58% |
| 2006-12-31 | $4.68 Billion | +14.44% |
| 2005-12-31 | $4.09 Billion | +5.48% |
| 2004-12-31 | $3.88 Billion | +4.31% |
| 2003-12-31 | $3.72 Billion | +8.95% |
| 2002-12-31 | $3.41 Billion | +1.77% |
| 2001-12-31 | $3.35 Billion | +1.08% |
| 2000-12-31 | $3.32 Billion | +51.60% |
| 1999-12-31 | $2.19 Billion | +88.82% |
| 1998-12-31 | $1.16 Billion | +0.18% |
| 1997-12-31 | $1.16 Billion | +12.07% |
| 1996-12-31 | $1.03 Billion | +3.45% |
| 1995-12-31 | $998.30 Million | +5.50% |
| 1994-12-31 | $946.30 Million | +10.96% |
| 1993-12-31 | $852.80 Million | +10.10% |
| 1992-12-31 | $774.60 Million | +3.13% |
| 1991-12-31 | $751.10 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