Call report 2025Q4
NBT FINANCIAL BANK — 2025Q4
The 22 measures NBT FINANCIAL BANK reported to the FFIEC for 2025Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 588,397,000 | USD | evidence → |
| Total loans | 444,416,000 | USD | evidence → |
| Allowance for loan losses | 5,662,000 | USD | evidence → |
| Securities available for sale | 7,272,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 513,640,000 | USD | evidence → |
| Interest-bearing deposits | 354,325,000 | USD | evidence → |
| Noninterest-bearing deposits | 159,315,000 | USD | evidence → |
| Equity capital | 61,597,000 | 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 | 35,674,000 | USD | evidence → |
| Interest expense | 11,916,000 | USD | evidence → |
| Net interest income | 23,758,000 | USD | evidence → |
| Noninterest income | 1,959,000 | USD | evidence → |
| Noninterest expense | 16,628,000 | USD | evidence → |
| Provision for loan losses | 535,000 | USD | evidence → |
| Pretax income | 8,304,000 | USD | evidence → |
| Income tax | 1,788,000 | USD | evidence → |
| Net income | 6,516,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 62,163,000 | USD | evidence → |
| Total capital | 67,752,000 | USD | evidence → |
| Risk-weighted assets | 446,275,000 | USD | evidence → |