NBTB: the balance sheet

MyFinsight

For the year ending 2025-12-31, NBTB has $15,995,121K in assets. $14,098,905K in debts.

Balance Sheets	2025-12-31
Cash and due from banks	185,158
Short-term interest-bearing accounts	301,958
Equity securities, at fair value	48,760
Securities available for sale, at fair value	1,862,838
Securities held to maturity (fair value 702,577 and 749,945, respectively)	762,756
Federal reserve and federal home loan bank stock	44,575
Loans held for sale	1,108
Loans	11,598,114
Less allowance for loan losses	138,000
Net loans	11,460,114
Premises and equipment before accumulated depreciation	280,345
Accumulated depreciation	181,068
Premises and equipment, net	99,277
Goodwill	453,278
Intangible assets, net	57,656
Bank owned life insurance	317,733
Other assets	399,910
Total assets	15,995,121

Demand (noninterest bearing)	3,800,209
Savings, interest-bearing checking and money market	8,206,539
Time	1,492,445
Total deposits	13,499,193
Short-term borrowings	148,069
Long-term debt	43,176
Subordinated debt, net	24,509
Junior subordinated debt	111,668
Other liabilities	272,290
Total liabilities	14,098,905
Common stock, 0.01 par value, 100,000,000 shares authorized 59,083,155 and 53,974,492 shares issued, respectively	591
Additional paid-in-capital	964,778
Retained earnings	1,196,850
Accumulated other comprehensive loss	-82,596
Common stock in treasury, at cost, 6,880,200 and 6,779,975 shares, respectively	183,407
Total stockholders' equity	1,896,216
Total liabilities and stockholders' equity	15,995,121

Unit: Thousand (K) dollars (except for numbers of shares and EPS).