Call reports 2025
NBT BANK, NATIONAL ASSOCIATION — 2025
What NBT BANK, NATIONAL ASSOCIATION 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 | 13,760,410,000 | 15,907,470,000 | 16,002,805,000 | 15,879,824,000 |
| Total loans | 9,993,895,000 | 11,628,436,000 | 11,599,060,000 | 11,599,222,000 |
| Allowance for loan losses | 117,000,000 | 140,200,000 | 139,000,000 | 138,000,000 |
| Securities available for sale | 1,704,677,000 | 1,729,428,000 | 1,813,194,000 | 1,862,838,000 |
| Securities held to maturity | 836,833,000 | 809,664,000 | 771,474,000 | 762,756,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,938,584,000 | 13,755,622,000 | 13,790,513,000 | 13,632,370,000 |
| Interest-bearing deposits | 10,954,760,000 | 12,742,993,000 | 12,759,063,000 | 12,599,780,000 |
| Noninterest-bearing deposits | 983,824,000 | 1,012,629,000 | 1,031,450,000 | 1,032,590,000 |
| Equity capital | 1,517,748,000 | 1,778,614,000 | 1,814,351,000 | 1,848,419,000 |
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 | 154,387,000 | 331,945,000 | 522,392,000 | 710,918,000 |
| Interest expense | 43,720,000 | 93,281,000 | 146,648,000 | 197,440,000 |
| Net interest income | 110,667,000 | 238,664,000 | 375,744,000 | 513,478,000 |
| Noninterest income | 29,213,000 | 59,037,000 | 91,197,000 | 124,541,000 |
| Noninterest expense | 87,391,000 | 196,557,000 | 296,377,000 | 396,054,000 |
| Provision for loan losses | 7,554,000 | 25,389,000 | 28,489,000 | 32,254,000 |
| Pretax income | 44,917,000 | 74,059,000 | 140,721,000 | 208,502,000 |
| Income tax | 10,331,000 | 18,205,000 | 34,537,000 | 48,259,000 |
| Net income | 34,586,000 | 55,854,000 | 106,184,000 | 160,243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,273,216,000 | 1,401,141,000 | 1,429,314,000 | 1,457,277,000 |
| Total capital | 1,390,009,000 | 1,536,099,000 | 1,563,426,000 | 1,590,875,000 |
| Risk-weighted assets | 10,708,707,000 | 12,346,556,000 | 12,240,170,000 | 12,220,519,000 |