Call reports 2025
NBT FINANCIAL BANK — 2025
What NBT FINANCIAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 528,335,000 | 535,854,000 | 620,806,000 | 588,397,000 |
| Total loans | 446,835,000 | 461,665,000 | 467,215,000 | 444,416,000 |
| Allowance for loan losses | 5,304,000 | 5,407,000 | 5,536,000 | 5,662,000 |
| Securities available for sale | 7,013,000 | 7,091,000 | 7,225,000 | 7,272,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 445,547,000 | 470,619,000 | 522,278,000 | 513,640,000 |
| Interest-bearing deposits | 304,653,000 | 326,711,000 | 378,681,000 | 354,325,000 |
| Noninterest-bearing deposits | 140,894,000 | 143,908,000 | 143,597,000 | 159,315,000 |
| Equity capital | 55,339,000 | 57,374,000 | 59,535,000 | 61,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,135,000 | 16,950,000 | 26,318,000 | 35,674,000 |
| Interest expense | 2,582,000 | 5,546,000 | 8,654,000 | 11,916,000 |
| Net interest income | 5,553,000 | 11,404,000 | 17,664,000 | 23,758,000 |
| Noninterest income | 463,000 | 949,000 | 1,444,000 | 1,959,000 |
| Noninterest expense | 3,976,000 | 8,219,000 | 12,668,000 | 16,628,000 |
| Provision for loan losses | 183,000 | 289,000 | 410,000 | 535,000 |
| Pretax income | 1,857,000 | 3,845,000 | 5,930,000 | 8,304,000 |
| Income tax | 406,000 | 836,000 | 1,274,000 | 1,788,000 |
| Net income | 1,451,000 | 3,009,000 | 4,656,000 | 6,516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,108,000 | 58,083,000 | 60,138,000 | 62,163,000 |
| Total capital | 61,546,000 | 63,708,000 | 65,978,000 | 67,752,000 |
| Risk-weighted assets | 434,678,000 | 449,852,000 | 466,896,000 | 446,275,000 |