NBT Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $16.1B | $13.9B | $11.4B | $1.9B | $47M | 1.18% | 10.23% | 3.76% | 0.53% |
| Q4 2025 | $15.9B | $13.6B | $11.5B | $1.8B | $54M | 1.06% | 9.48% | 3.78% | 0.45% |
| Q3 2025 | $16.0B | $13.8B | $11.5B | $1.8B | $50M | 0.95% | 8.58% | 3.74% | 0.46% |
| Q2 2025 | $15.9B | $13.8B | $11.5B | $1.8B | $21M | 0.77% | 7.00% | 3.66% | 0.40% |
| Q1 2025 | $13.8B | $11.9B | $9.9B | $1.5B | $35M | 1.01% | 9.20% | 3.57% | 0.48% |
| Q4 2024 | $13.7B | $11.8B | $9.9B | $1.5B | $37M | 1.02% | 9.44% | 3.41% | 0.52% |
| Q3 2024 | $13.7B | $11.8B | $9.8B | $1.5B | $37M | 1.01% | 9.28% | 3.36% | 0.38% |
| Q2 2024 | $13.4B | $11.5B | $9.7B | $1.4B | $32M | 0.97% | 8.99% | 3.32% | 0.39% |
| Q1 2024 | $13.3B | $11.4B | $9.6B | $1.4B | $33M | 0.98% | 9.05% | 3.30% | 0.39% |
| Q4 2023 | $13.2B | $11.1B | $9.5B | $1.4B | $32M | 0.95% | 9.09% | 3.49% | 0.39% |
| Q3 2023 | $13.7B | $11.6B | $9.6B | $1.4B | $24M | 0.94% | 9.12% | 3.48% | 0.25% |
| Q2 2023 | $11.8B | $9.7B | $8.3B | $1.2B | $30M | 1.06% | 10.24% | 3.58% | 0.24% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.