NBT Bancorp Inc. (NBTB)

Solvency & Capital Structure

Total Debt

$471.2M

Net Debt

$284M

NBT Bancorp Inc. currently has $471.2M in total debt. Net debt is $284M after cash offsets.

Financial Fundamentals

NBTB • Quarterly Data • 5Y View

Date	Total Debt ($B)	Cash & Inv. ($B)	Net Debt ($B)	Total Assets	Debt/Assets
2026-06-30	0.47	0.19	0.28	16.21	2.9%
2026-03-31	0.16	0.15	0.01	16.20	1.0%
2025-12-31	0.19	0.19	0.01	16.00	1.2%
2025-09-30	0.32	0.81	-0.49Net Cash	16.11	2.0%
2025-06-30	0.41	0.72	-0.31Net Cash	16.01	2.6%
2025-03-31	0.31	0.44	-0.13Net Cash	13.86	2.3%
2024-12-31	0.41	0.42	-0.01Net Cash	13.79	3.0%
2024-09-30	0.46	1.99	-1.54Net Cash	13.84	3.3%
2024-06-30	0.48	1.65	-1.17Net Cash	13.50	3.5%
2024-03-31	0.52	1.74	-1.22Net Cash	13.44	3.9%
2023-12-31	0.64	1.64	-1.00Net Cash	13.31	4.8%
2023-09-30	0.74	2.07	-1.33Net Cash	13.83	5.4%
2023-06-30	0.88	1.66	-0.78Net Cash	11.89	7.4%
2023-03-31	0.70	1.74	-1.04Net Cash	11.84	5.9%
2022-12-31	0.79	1.72	-0.94Net Cash	11.74	6.7%
2022-09-30	0.28	1.88	-1.60Net Cash	11.64	2.4%
2022-06-30	0.27	2.14	-1.88Net Cash	11.72	2.3%
2022-03-31	0.28	2.76	-2.48Net Cash	12.15	2.3%
2021-12-31	0.31	2.96	-2.64Net Cash	12.01	2.6%
2021-09-30	0.31	2.92	-2.61Net Cash	11.99	2.6%
2021-06-30	0.30	2.60	-2.30Net Cash	11.57	2.6%
2021-03-31	0.31	2.54	-2.23Net Cash	11.54	2.7%
2020-12-31	0.41	2.02	-1.61Net Cash	10.93	3.7%
2020-09-30	0.45	1.82	-1.37Net Cash	10.85	4.1%
2020-06-30	0.60	1.81	-1.20Net Cash	10.85	5.6%
2020-03-31	0.71	1.28	-0.57Net Cash	9.95	7.2%
2019-12-31	0.82	1.19	-0.37Net Cash	9.72	8.4%
2019-09-30	0.63	1.21	-0.58Net Cash	9.66	6.5%
2019-06-30	0.79	1.17	-0.37Net Cash	9.64	8.2%
2019-03-31	0.72	1.13	-0.41Net Cash	9.53	7.5%
2018-12-31	1.05	1.18	-0.13Net Cash	9.56	11.0%
2018-09-30	0.99	1.28	-0.29Net Cash	9.55	10.3%
2018-06-30	1.03	1.35	-0.32Net Cash	9.47	10.9%
2018-03-31	0.78	1.43	-0.65Net Cash	9.23	8.4%
2017-12-31	0.91	1.42	-0.51Net Cash	9.14	10.0%
2017-09-30	0.87	1.54	-0.67Net Cash	9.16	9.5%
2017-06-30	1.02	1.53	-0.51Net Cash	9.08	11.3%
2017-03-31	0.75	1.51	-0.76Net Cash	8.95	8.3%
2016-12-31	0.89	1.49	-0.60Net Cash	8.87	10.0%
2016-09-30	0.80	1.48	-0.68Net Cash	8.77	9.1%
2016-06-30	0.88	1.44	-0.57Net Cash	8.62	10.2%
2016-03-31	0.58	1.42	-0.84Net Cash	8.47	6.8%
2015-12-31	0.67	1.31	-0.64Net Cash	8.26	8.2%
2015-09-30	0.59	1.24	-0.65Net Cash	8.16	7.3%
2015-06-30	0.74	1.26	-0.52Net Cash	8.07	9.2%
2015-03-31	0.43	1.21	-0.79Net Cash	7.86	5.4%
2014-12-31	0.55	1.16	-0.61Net Cash	7.80	7.0%
2014-09-30	0.61	1.22	-0.61Net Cash	7.87	7.7%
2014-06-30	0.89	1.56	-0.68Net Cash	7.87	11.3%
2014-03-31	0.77	1.56	-0.80Net Cash	7.75	9.9%
2013-12-31	0.87	1.52	-0.66Net Cash	7.65	11.3%
2013-09-30	0.78	1.59	-0.81Net Cash	7.67	10.2%
2013-06-30	0.80	1.53	-0.74Net Cash	7.53	10.6%
2013-03-31	0.72	1.76	-1.05Net Cash	7.61	9.4%
2012-12-31	0.61	1.31	-0.71Net Cash	6.04	10.0%
2012-09-30	0.50	0.14	0.36	6.03	8.4%
2012-06-30	0.58	0.14	0.44	5.97	9.7%
2012-03-31	0.54	0.30	0.24	5.78	9.3%
2011-12-31	0.63	1.37	-0.75Net Cash	5.60	11.2%
2011-09-30	0.53	0.19	0.34	5.48	9.6%
2011-06-30	0.55	0.10	0.44	5.34	10.2%
2011-03-31	0.54	0.32	0.22	5.48	9.8%
2010-12-31	0.53	0.17	0.36	5.34	9.9%
2010-09-30	0.60	0.34	0.26	5.48	10.9%
2010-06-30	0.64	0.17	0.47	5.42	11.8%
2010-03-31	0.67	0.24	0.43	5.53	12.1%
2009-12-31	0.71	0.19	0.52	5.46	13.0%
2009-09-30	0.73	0.25	0.48	5.48	13.3%
2009-06-30	0.72	0.19	0.53	5.42	13.4%
2009-03-31	0.74	0.18	0.56	5.41	13.7%
2008-12-31	0.84	0.11	0.73	5.34	15.7%
2008-09-30	0.86	0.14	0.72	5.34	16.1%
2008-06-30	0.83	0.15	0.68	5.31	15.5%
2008-03-31	0.90	0.14	0.76	5.23	17.2%
2007-12-31	0.79	0.16	0.63	5.20	15.3%
2007-09-30	0.76	0.15	0.61	5.15	14.7%
2007-06-30	0.72	0.14	0.58	5.12	14.0%
2007-03-31	0.67	0.16	0.52	5.10	13.2%
2006-12-31	0.84	0.14	0.70	5.09	16.5%
2006-09-30	0.82	0.15	0.67	5.06	16.2%
2006-06-30	0.82	0.15	0.67	5.00	16.4%
2006-03-31	0.83	0.13	0.70	4.89	17.0%
2005-12-31	0.88	0.14	0.74	4.43	20.0%
2005-09-30	0.79	0.13	0.66	4.39	18.1%
2005-08-05	0.82	0.12	0.70	4.38	18.8%
2005-03-31	0.72	0.11	0.61	4.26	16.9%
2004-12-31	0.75	0.10	0.65	4.21	17.9%
2004-09-30	0.73	0.13	0.61	4.20	17.4%
2004-06-30	0.74	0.11	0.63	4.13	17.9%
2004-03-31	0.63	0.10	0.52	4.02	15.6%
2003-12-31	0.67	0.13	0.54	4.05	16.6%
2003-09-30	0.70	0.12	0.58	4.05	17.3%
2003-06-30	0.58	0.15	0.43	3.92	14.9%
2003-03-31	0.44	0.13	0.31	3.75	11.7%
2002-12-31	0.45	0.12	0.33	3.72	12.1%
2002-09-30	0.46	0.14	0.32	3.73	12.4%
2002-06-30	0.47	0.11	0.36	3.68	12.9%
2002-03-31	0.41	0.10	0.31	3.59	11.3%
2001-12-31	0.39	0.13	0.26	3.64	10.8%
2001-09-30	0.34	0.09	0.25	2.68	12.7%
2001-06-30	0.37	0.08	0.29	2.70	13.6%
2001-03-31	0.36	0.08	0.28	2.58	13.9%
2000-12-31	0.43	0.13	0.29	3.61	11.8%
2000-09-30	0.39	0.08	0.31	2.56	15.3%
2000-06-30	0.32	0.07	0.25	2.10	15.3%
2000-03-31	0.33	0.06	0.27	2.03	16.1%
1999-12-31	0.39	0.08	0.31	2.38	16.6%
1999-09-30	0.15	0.04	0.10	1.38	10.8%
1999-06-30	0.20	0.05	0.15	1.35	15.1%
1999-03-31	0.14	0.05	0.09	1.31	10.8%
1998-12-31	0.11	0.05	0.06	1.29	8.3%
1998-09-30	0.13	0.05	0.08	1.30	10.0%
1998-06-30	0.16	0.04	0.12	1.30	12.5%
1998-03-31	0.12	0.04	0.08	1.29	9.1%
1997-12-31	0.13	0.04	0.10	1.28	10.5%
1997-09-30	0.16	0.06	0.10	1.28	12.4%
1997-06-30	0.17	0.04	0.14	1.24	14.0%
1997-03-31	0.11	0.04	0.07	1.20	9.4%
1996-12-31	0.11	0.04	0.07	1.14	9.5%
1996-09-30	0.11	0.05	0.06	1.14	10.0%