Call report 2025Q3
NBT FINANCIAL BANK — 2025Q3
The 22 measures NBT FINANCIAL BANK reported to the FFIEC for 2025Q3, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 620,806,000 | USD | evidence → |
| Total loans | 467,215,000 | USD | evidence → |
| Allowance for loan losses | 5,536,000 | USD | evidence → |
| Securities available for sale | 7,225,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 522,278,000 | USD | evidence → |
| Interest-bearing deposits | 378,681,000 | USD | evidence → |
| Noninterest-bearing deposits | 143,597,000 | USD | evidence → |
| Equity capital | 59,535,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 26,318,000 | USD | evidence → |
| Interest expense | 8,654,000 | USD | evidence → |
| Net interest income | 17,664,000 | USD | evidence → |
| Noninterest income | 1,444,000 | USD | evidence → |
| Noninterest expense | 12,668,000 | USD | evidence → |
| Provision for loan losses | 410,000 | USD | evidence → |
| Pretax income | 5,930,000 | USD | evidence → |
| Income tax | 1,274,000 | USD | evidence → |
| Net income | 4,656,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 60,138,000 | USD | evidence → |
| Total capital | 65,978,000 | USD | evidence → |
| Risk-weighted assets | 466,896,000 | USD | evidence → |