NBTB (NBT Bancorp) Total Deposits: $13,537.3 Mil (As of Jun. 2026)

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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NBTB NBT Bancorp Inc NBTB
70 GF Score
Price $52.29
GF Value $47.45
Valuation Fairly Valued
! 3 Warning Signs
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What is NBT Bancorp Total Deposits?

NBT Bancorp NBTB +1.24% 70 Total Deposits is $13,537.3 Mil as of Jun. 2026. GuruFocus rates NBTB with a GF Score™ of 70/100 and a GF Value™ of $47.45 (Fairly Valued). The stock has 3 warning signs investors should review.

NBT Bancorp's annual total deposits increased from Dec. 2023 ($10,969.0 Mil) to Dec. 2024 ($11,546.8 Mil) and increased from Dec. 2024 ($11,546.8 Mil) to Dec. 2025 ($13,499.2 Mil).

NBT Bancorp Total Deposits Historical Data

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The historical data trend for NBT Bancorp's Total Deposits can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

NBT Bancorp Total Deposits Chart

NBT Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Deposits
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10,234.47 9,495.93 10,968.99 11,546.76 13,499.19

NBT Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Total Deposits Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 13,515.23 13,660.92 13,499.19 13,742.97 13,537.30
NBTB
70GF Score
NBT Bancorp Inc NBTB
Total Deposits is just one metric. See GF Score™, valuation, warning signs, and more.
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NBT Bancorp Total Deposits Calculation

Total Deposits that banks' customers have in their accounts. This is an very important source of banks' liquidity.

When banks' customers flood to their banks to take their deposit out, it may be called "Bank Run", which may bring down a bank due to liquidity issues.

Frequently Asked Questions Learn more about Total Deposits →
What does a Total Deposits of $13,537.3 Mil mean?
NBT Bancorp (NBTB) has a Total Deposits of $13,537.3 Mil as of Jun. 2026. The total amount of client deposits as recorded on a bank's balance sheet. View historical data for NBT Bancorp and its competitors.
Is NBT Bancorp's Total Deposits too high?
NBT Bancorp's current Total Deposits is $13,537.3 Mil. Overall, NBT Bancorp has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does NBT Bancorp's Total Deposits compare to TBBK and WAFD?
NBT Bancorp's Total Deposits of $13,537.3 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Total Deposits for a Banks company?
A good Total Deposits depends on the Banks industry context. However, Total Deposits should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Total Deposits mean?
A high Total Deposits can signal that a stock is expensive relative to its fundamentals. The total amount of client deposits as recorded on a bank's balance sheet. View historical data for NBT Bancorp and its competitors. NBT Bancorp's current Total Deposits is $13,537.3 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NBT Bancorp stock overvalued right now?
Based on GuruFocus' analysis, NBT Bancorp (NBTB) is currently considered Fairly Valued. The stock's GF Value™ is $47.45, compared to a current price of $52.29 — trading 10.2% above its estimated fair value. The current Total Deposits is $13,537.3 Mil. NBT Bancorp's overall GF Score™ is 70/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Total Deposits calculated?
Total Deposits is calculated from a company's financial statements. For NBT Bancorp (NBTB), the current Total Deposits is $13,537.3 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is NBT Bancorp (NBTB) Overvalued in 2026?

Based on GuruFocus' analysis, NBT Bancorp stock appears to be overvalued. The current stock price of $52.29 is trading 10.2% above its estimated GF Value™ of $47.45. GuruFocus considers NBT Bancorp to be Fairly Valued.

Key valuation signals for NBTB:

  • Total Deposits: $13,537.3 Mil
  • GF Value™: $47.45 vs. price of $52.29 (10.2% above fair value)
  • GF Score™: 70/100 with 3 warning signs

No single metric tells the full story. See the NBTB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

NBT Bancorp Business Description

Address 52 South Broad Street, Norwich, NY, USA, 13815
NBT Bancorp Inc is a financial holding company that operates through its subsidiaries. The company's principal sources of revenue include management fees and dividends it receives through its subsidiaries. Its business, predominantly conducted through NBT Bank, consists of providing commercial banking, retail banking, and wealth management services to customers in its market area, which includes upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. The company's reportable segments are Banking and Retirement Plan Administration. A majority of its revenue is generated from the Banking segment.
70GF Score

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Total Deposits is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$52.29
Price
$47.45
GF Value