Nbt Bancorp annual debt-to-assets ratio
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2025
Nbt Bancorp Debt-to-Assets Ratio Growth & History (NBTB)
Nbt Bancorp's debt-to-assets ratio was 0.01 for fiscal 2025.
View full Nbt Bancorp company overviewNbt Bancorp annual debt-to-assets ratio history
| Fiscal year | Period ended | Debt-to-assets ratio | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | 0.01 | −0.00 | −19.18% |
| 2024 | 2024-12-31 | 0.01 | −0.02 | −55.03% |
| 2023 | 2023-12-31 | 0.03 | −0.02 | −40.07% |
| 2022 | 2022-12-31 | 0.05 | 0.04 | +398.27% |
| 2021 | 2021-12-31 | 0.01 | −0.01 | −43.27% |
| 2020 | 2020-12-31 | 0.02 | −0.05 | −74.18% |
| 2019 | 2019-12-31 | 0.07 | −0.03 | −27.95% |
| 2018 | 2018-12-31 | 0.10 | 0.01 | +11.87% |
| 2017 | 2017-12-31 | 0.09 | −0.00 | −0.21% |
| 2016 | 2016-12-31 | 0.09 | 0.02 | +27.80% |
| 2015 | 2015-12-31 | 0.07 | 0.01 | +20.91% |
| 2014 | 2014-12-31 | 0.06 | −0.04 | −42.62% |
| 2013 | 2013-12-31 | 0.10 | 0.01 | +13.86% |
| 2012 | 2012-12-31 | 0.09 | −0.01 | −10.96% |
| 2011 | 2011-12-31 | 0.10 | −0.00 | −0.56% |
| 2010 | 2010-12-31 | 0.10 | −0.03 | −23.77% |
| 2009 | 2009-12-31 | 0.13 | — | — |
Nbt Bancorp quarterly debt-to-assets ratio
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Q2.10
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Q2.25
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Q1.26
Q2.26
| Fiscal quarter | Period ended | Debt-to-assets ratio | Change | YoY change |
|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | 0.02 | 0.01 | +176.65% |
| Q1 2026 | 2026-03-31 | 0.01 | 0.00 | +17.75% |
| Q4 2025 | 2025-12-31 | 0.01 | −0.00 | −19.18% |
| Q3 2025 | 2025-09-30 | 0.01 | −0.01 | −41.86% |
| Q2 2025 | 2025-06-30 | 0.01 | −0.01 | −57.61% |
| Q1 2025 | 2025-03-31 | 0.01 | −0.01 | −68.94% |
| Q4 2024 | 2024-12-31 | 0.01 | −0.02 | −55.03% |
| Q3 2024 | 2024-09-30 | 0.01 | −0.02 | −58.22% |
| Q2 2024 | 2024-06-30 | 0.02 | −0.04 | −69.67% |
| Q1 2024 | 2024-03-31 | 0.02 | −0.02 | −50.48% |
| Q4 2023 | 2023-12-31 | 0.03 | −0.02 | −40.07% |
| Q3 2023 | 2023-09-30 | 0.04 | 0.03 | +453.50% |
| Q2 2023 | 2023-06-30 | 0.05 | 0.05 | +928.19% |
| Q1 2023 | 2023-03-31 | 0.04 | 0.03 | +649.89% |
| Q4 2022 | 2022-12-31 | 0.05 | 0.04 | +398.27% |
| Q3 2022 | 2022-09-30 | 0.01 | −0.00 | −22.96% |
| Q2 2022 | 2022-06-30 | 0.01 | −0.00 | −31.82% |
| Q1 2022 | 2022-03-31 | 0.01 | −0.00 | −35.23% |
| Q4 2021 | 2021-12-31 | 0.01 | −0.01 | −43.27% |
| Q3 2021 | 2021-09-30 | 0.01 | −0.01 | −50.84% |
| Q2 2021 | 2021-06-30 | 0.01 | −0.02 | −75.00% |
| Q1 2021 | 2021-03-31 | 0.01 | −0.05 | −85.02% |
| Q4 2020 | 2020-12-31 | 0.02 | −0.05 | −74.18% |
| Q3 2020 | 2020-09-30 | 0.02 | −0.03 | −65.97% |
| Q2 2020 | 2020-06-30 | 0.03 | −0.04 | −53.33% |
| Q1 2020 | 2020-03-31 | 0.06 | −0.01 | −9.40% |
| Q4 2019 | 2019-12-31 | 0.07 | −0.03 | −27.95% |
| Q3 2019 | 2019-09-30 | 0.05 | −0.04 | −46.43% |
| Q2 2019 | 2019-06-30 | 0.07 | −0.03 | −31.54% |
| Q1 2019 | 2019-03-31 | 0.06 | −0.01 | −16.74% |
| Q4 2018 | 2018-12-31 | 0.10 | 0.01 | +11.87% |
| Q3 2018 | 2018-09-30 | 0.09 | 0.01 | +10.15% |
| Q2 2018 | 2018-06-30 | 0.10 | −0.00 | −3.33% |
| Q1 2018 | 2018-03-31 | 0.07 | 0.00 | +1.51% |
| Q4 2017 | 2017-12-31 | 0.09 | −0.00 | −0.21% |
| Q3 2017 | 2017-09-30 | 0.08 | 0.00 | +5.65% |
| Q2 2017 | 2017-06-30 | 0.10 | 0.01 | +12.57% |
| Q1 2017 | 2017-03-31 | 0.07 | 0.02 | +27.60% |
| Q4 2016 | 2016-12-31 | 0.09 | 0.02 | +27.80% |
| Q3 2016 | 2016-09-30 | 0.08 | 0.02 | +31.94% |
| Q2 2016 | 2016-06-30 | 0.09 | 0.01 | +13.12% |
| Q1 2016 | 2016-03-31 | 0.06 | 0.02 | +37.02% |
| Q4 2015 | 2015-12-31 | 0.07 | 0.01 | +20.91% |
| Q3 2015 | 2015-09-30 | 0.06 | −0.00 | −6.22% |
| Q2 2015 | 2015-06-30 | 0.08 | −0.02 | −20.25% |
| Q1 2015 | 2015-03-31 | 0.04 | −0.04 | −52.01% |
| Q4 2014 | 2014-12-31 | 0.06 | −0.04 | −42.62% |
| Q3 2014 | 2014-09-30 | 0.06 | −0.02 | −27.60% |
| Q2 2014 | 2014-06-30 | 0.10 | 0.01 | +8.27% |
| Q1 2014 | 2014-03-31 | 0.09 | 0.01 | +6.32% |
| Q4 2013 | 2013-12-31 | 0.10 | 0.01 | +13.86% |
| Q3 2013 | 2013-09-30 | 0.09 | 0.01 | +6.31% |
| Q2 2013 | 2013-06-30 | 0.09 | −0.00 | −5.02% |
| Q1 2013 | 2013-03-31 | 0.08 | −0.01 | −12.93% |
| Q4 2012 | 2012-12-31 | 0.09 | −0.01 | −10.96% |
| Q3 2012 | 2012-09-30 | 0.08 | −0.01 | −13.28% |
| Q2 2012 | 2012-06-30 | 0.10 | −0.01 | −5.16% |
| Q1 2012 | 2012-03-31 | 0.09 | −0.01 | −5.49% |
| Q4 2011 | 2011-12-31 | 0.10 | −0.00 | −0.56% |
| Q3 2011 | 2011-09-30 | 0.10 | −0.01 | −11.24% |
| Q2 2011 | 2011-06-30 | 0.10 | −0.02 | −13.19% |
| Q1 2011 | 2011-03-31 | 0.10 | — | — |
| Q4 2010 | 2010-12-31 | 0.10 | −0.03 | −23.77% |
| Q3 2010 | 2010-09-30 | 0.11 | — | — |
| Q2 2010 | 2010-06-30 | 0.12 | — | — |
| Q4 2009 | 2009-12-31 | 0.13 | — | — |
Nbt Bancorp debt-to-assets ratio trends
Over the last five fiscal years, Nbt Bancorp's debt-to-assets ratio decreased from 0.02 to 0.01, a change of −0.01. The latest reported quarter, Q2 2026, shows 0.02.
About the metric
What the debt-to-assets ratio means
The debt-to-assets ratio shows the portion of a company’s reported assets financed with interest-bearing debt. It is a leverage measure and should not be confused with total liabilities divided by assets.
Calculation and source
How debt-to-assets is calculated
TickerStat calculates debt-to-assets as total interest-bearing debt divided by total assets at the same reporting-period end. Periods with missing debt or non-positive assets are omitted. Fiscal periods can differ from calendar years, so exact period-end dates are included.
Review Nbt Bancorp source filings ↗