NBT Financial 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 | $598M | $522M | $444M | $63M | $2M | 1.48% | 14.07% | 4.33% | 2.28% |
| Q4 2025 | $588M | $514M | $439M | $62M | $2M | 1.18% | 11.33% | 4.55% | 2.33% |
| Q3 2025 | $621M | $522M | $462M | $60M | $2M | 1.14% | 10.99% | 4.59% | 2.18% |
| Q2 2025 | $536M | $471M | $456M | $57M | $2M | 1.16% | 10.85% | 4.68% | 2.17% |
| Q1 2025 | $528M | $446M | $442M | $55M | $1M | 1.14% | 10.65% | 4.65% | 2.31% |
| Q4 2024 | $491M | $435M | $435M | $54M | $1M | 1.13% | 10.83% | 4.65% | 2.34% |
| Q3 2024 | $508M | $420M | $419M | $51M | $2M | 1.10% | 10.66% | 4.65% | 1.31% |
| Q2 2024 | $474M | $422M | $393M | $49M | $1M | 1.01% | 9.66% | 4.59% | 2.67% |
| Q1 2024 | $452M | $402M | $373M | $48M | $1M | 0.92% | 8.72% | 4.35% | 0.06% |
| Q4 2023 | $447M | $399M | $366M | $47M | $1M | 1.00% | 10.11% | 4.39% | 0.05% |
| Q3 2023 | $437M | $389M | $371M | $45M | $1M | 0.98% | 9.99% | 4.37% | 0.06% |
| Q2 2023 | $443M | $397M | $364M | $44M | $1M | 0.99% | 10.23% | 4.20% | 0.07% |
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.