Nbt Bancorp annual debt-to-equity ratio
2009
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2025
Nbt Bancorp Debt-to-Equity Ratio Growth & History (NBTB)
Nbt Bancorp's debt-to-equity ratio was 0.10 for fiscal 2025.
View full Nbt Bancorp company overviewNbt Bancorp annual debt-to-equity ratio history
| Fiscal year | Period ended | Debt-to-equity ratio | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | 0.10 | −0.03 | −24.53% |
| 2024 | 2024-12-31 | 0.13 | −0.16 | −56.48% |
| 2023 | 2023-12-31 | 0.29 | −0.23 | −44.08% |
| 2022 | 2022-12-31 | 0.52 | 0.42 | +418.86% |
| 2021 | 2021-12-31 | 0.10 | −0.07 | −40.80% |
| 2020 | 2020-12-31 | 0.17 | −0.45 | −72.60% |
| 2019 | 2019-12-31 | 0.62 | −0.31 | −33.45% |
| 2018 | 2018-12-31 | 0.93 | 0.09 | +10.14% |
| 2017 | 2017-12-31 | 0.84 | −0.02 | −1.99% |
| 2016 | 2016-12-31 | 0.86 | 0.21 | +32.45% |
| 2015 | 2015-12-31 | 0.65 | 0.13 | +25.37% |
| 2014 | 2014-12-31 | 0.52 | −0.42 | −44.69% |
| 2013 | 2013-12-31 | 0.94 | 0.03 | +2.82% |
| 2012 | 2012-12-31 | 0.91 | −0.11 | −11.19% |
| 2011 | 2011-12-31 | 1.03 | 0.03 | +3.40% |
| 2010 | 2010-12-31 | 0.99 | −0.41 | −29.49% |
| 2009 | 2009-12-31 | 1.41 | — | — |
Nbt Bancorp quarterly debt-to-equity ratio
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Q2.10
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Q2.12
Q3.12
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Q2.25
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Q1.26
Q2.26
| Fiscal quarter | Period ended | Debt-to-equity ratio | Change | YoY change |
|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | 0.16 | 0.10 | +160.11% |
| Q1 2026 | 2026-03-31 | 0.06 | 0.01 | +12.57% |
| Q4 2025 | 2025-12-31 | 0.10 | −0.03 | −24.53% |
| Q3 2025 | 2025-09-30 | 0.07 | −0.06 | −44.41% |
| Q2 2025 | 2025-06-30 | 0.06 | −0.09 | −59.28% |
| Q1 2025 | 2025-03-31 | 0.05 | −0.13 | −70.50% |
| Q4 2024 | 2024-12-31 | 0.13 | −0.16 | −56.48% |
| Q3 2024 | 2024-09-30 | 0.13 | −0.23 | −62.56% |
| Q2 2024 | 2024-06-30 | 0.15 | −0.39 | −71.48% |
| Q1 2024 | 2024-03-31 | 0.19 | −0.21 | −52.75% |
| Q4 2023 | 2023-12-31 | 0.29 | −0.23 | −44.08% |
| Q3 2023 | 2023-09-30 | 0.36 | 0.30 | +457.97% |
| Q2 2023 | 2023-06-30 | 0.54 | 0.49 | +924.21% |
| Q1 2023 | 2023-03-31 | 0.39 | 0.34 | +625.19% |
| Q4 2022 | 2022-12-31 | 0.52 | 0.42 | +418.86% |
| Q3 2022 | 2022-09-30 | 0.06 | −0.02 | −19.74% |
| Q2 2022 | 2022-06-30 | 0.05 | −0.02 | −28.84% |
| Q1 2022 | 2022-03-31 | 0.05 | −0.03 | −32.44% |
| Q4 2021 | 2021-12-31 | 0.10 | −0.07 | −40.80% |
| Q3 2021 | 2021-09-30 | 0.08 | −0.08 | −48.95% |
| Q2 2021 | 2021-06-30 | 0.07 | −0.22 | −75.12% |
| Q1 2021 | 2021-03-31 | 0.08 | −0.41 | −83.78% |
| Q4 2020 | 2020-12-31 | 0.17 | −0.45 | −72.60% |
| Q3 2020 | 2020-09-30 | 0.16 | −0.28 | −63.99% |
| Q2 2020 | 2020-06-30 | 0.30 | −0.30 | −50.58% |
| Q1 2020 | 2020-03-31 | 0.49 | −0.07 | −12.05% |
| Q4 2019 | 2019-12-31 | 0.62 | −0.31 | −33.45% |
| Q3 2019 | 2019-09-30 | 0.44 | −0.45 | −50.94% |
| Q2 2019 | 2019-06-30 | 0.60 | −0.35 | −36.53% |
| Q1 2019 | 2019-03-31 | 0.56 | −0.15 | −20.78% |
| Q4 2018 | 2018-12-31 | 0.93 | 0.09 | +10.14% |
| Q3 2018 | 2018-09-30 | 0.89 | 0.08 | +10.37% |
| Q2 2018 | 2018-06-30 | 0.95 | −0.03 | −3.14% |
| Q1 2018 | 2018-03-31 | 0.71 | 0.01 | +1.90% |
| Q4 2017 | 2017-12-31 | 0.84 | −0.02 | −1.99% |
| Q3 2017 | 2017-09-30 | 0.81 | 0.04 | +4.96% |
| Q2 2017 | 2017-06-30 | 0.98 | 0.11 | +12.92% |
| Q1 2017 | 2017-03-31 | 0.70 | 0.15 | +28.16% |
| Q4 2016 | 2016-12-31 | 0.86 | 0.21 | +32.45% |
| Q3 2016 | 2016-09-30 | 0.77 | 0.21 | +36.66% |
| Q2 2016 | 2016-06-30 | 0.87 | 0.13 | +18.11% |
| Q1 2016 | 2016-03-31 | 0.54 | 0.17 | +46.92% |
| Q4 2015 | 2015-12-31 | 0.65 | 0.13 | +25.37% |
| Q3 2015 | 2015-09-30 | 0.56 | −0.03 | −4.79% |
| Q2 2015 | 2015-06-30 | 0.73 | −0.18 | −19.95% |
| Q1 2015 | 2015-03-31 | 0.37 | −0.43 | −53.84% |
| Q4 2014 | 2014-12-31 | 0.52 | −0.42 | −44.69% |
| Q3 2014 | 2014-09-30 | 0.59 | −0.27 | −31.09% |
| Q2 2014 | 2014-06-30 | 0.92 | 0.04 | +4.43% |
| Q1 2014 | 2014-03-31 | 0.80 | 0.03 | +4.54% |
| Q4 2013 | 2013-12-31 | 0.94 | 0.03 | +2.82% |
| Q3 2013 | 2013-09-30 | 0.86 | −0.02 | −1.98% |
| Q2 2013 | 2013-06-30 | 0.88 | −0.15 | −14.18% |
| Q1 2013 | 2013-03-31 | 0.77 | −0.21 | −21.75% |
| Q4 2012 | 2012-12-31 | 0.91 | −0.11 | −11.19% |
| Q3 2012 | 2012-09-30 | 0.87 | −0.11 | −10.82% |
| Q2 2012 | 2012-06-30 | 1.02 | 0.00 | +0.20% |
| Q1 2012 | 2012-03-31 | 0.98 | −0.02 | −1.95% |
| Q4 2011 | 2011-12-31 | 1.03 | 0.03 | +3.40% |
| Q3 2011 | 2011-09-30 | 0.98 | −0.13 | −12.05% |
| Q2 2011 | 2011-06-30 | 1.02 | −0.19 | −15.76% |
| Q1 2011 | 2011-03-31 | 1.00 | — | — |
| Q4 2010 | 2010-12-31 | 0.99 | −0.41 | −29.49% |
| Q3 2010 | 2010-09-30 | 1.12 | — | — |
| Q2 2010 | 2010-06-30 | 1.21 | — | — |
| Q4 2009 | 2009-12-31 | 1.41 | — | — |
Nbt Bancorp debt-to-equity ratio trends
Over the last five fiscal years, Nbt Bancorp's debt-to-equity ratio decreased from 0.17 to 0.10, a change of −0.07. The latest reported quarter, Q2 2026, shows 0.16.
About the metric
What the debt-to-equity ratio means
The debt-to-equity ratio compares interest-bearing debt with shareholders’ equity. It helps show how much debt financing a company uses relative to its accounting equity, but useful comparison levels vary by industry.
Calculation and source
How debt-to-equity is calculated
TickerStat calculates debt-to-equity as total interest-bearing debt divided by SEC-reported shareholders’ equity for the same balance-sheet date. Total liabilities are not treated as debt, and periods with non-positive equity are omitted. Fiscal periods can differ from calendar years, so exact period-end dates are included.
Review Nbt Bancorp source filings ↗