NBTB (NBT Bancorp) LT-Debt-to-Total-Asset: 0.01 (As of Mar. 2026)

What is NBT Bancorp LT-Debt-to-Total-Asset?

NBT Bancorp NBTB +0.16% 69 LT-Debt-to-Total-Asset is 0.01 as of Mar. 2026. GuruFocus rates NBTB with a GF Score™ of 69/100 and a GF Value™ of $46.44 (Fairly Valued). The stock has 3 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. NBT Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.01.

NBT Bancorp's long-term debt to total assets ratio declined from Mar. 2025 (0.02) to Mar. 2026 (0.01). It may suggest that NBT Bancorp is progressively becoming less dependent on debt to grow their business.

NBT Bancorp (NAS:NBTB) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

NBT Bancorp LT-Debt-to-Total-Asset Related Terms

NBT Bancorp LT-Debt-to-Total-Asset Historical Data

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The historical data trend for NBT Bancorp's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

NBT Bancorp Annual Data

Trend

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Dec20

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Dec25

LT-Debt-to-Total-Asset

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0.02

0.01

NBT Bancorp Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.02	0.02	0.01	0.01	0.01

69GF Score

NBT Bancorp Inc NBTB

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NBT Bancorp LT-Debt-to-Total-Asset Calculation

NBT Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	179.353	/	15995.121
	=	0.01

NBT Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	179.601	/	16204.406
	=	0.01

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.01 mean?

NBT Bancorp (NBTB) has a LT-Debt-to-Total-Asset of 0.01 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on NBT Bancorp and its competitors.

Is NBT Bancorp's LT-Debt-to-Total-Asset too high?

NBT Bancorp's current LT-Debt-to-Total-Asset is 0.01. Overall, NBT Bancorp has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does NBT Bancorp's LT-Debt-to-Total-Asset compare to TBBK and BBT?

NBT Bancorp's LT-Debt-to-Total-Asset of 0.01 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on NBT Bancorp and its competitors. NBT Bancorp's current LT-Debt-to-Total-Asset is 0.01. 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 $46.44, compared to a current price of $50.16 — trading 8% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.01. NBT Bancorp's overall GF Score™ is 69/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For NBT Bancorp (NBTB), the current LT-Debt-to-Total-Asset is 0.01 as of Mar. 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 $50.16 is trading 8% above its estimated GF Value™ of $46.44. GuruFocus considers NBT Bancorp to be Fairly Valued.

Key valuation signals for NBTB:

LT-Debt-to-Total-Asset: 0.01
GF Value™: $46.44 vs. price of $50.16 (8% above fair value)
GF Score™: 69/100 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

Industry Financial Services Banks

Comparable Companies TBBK BBT FBNC BUSE EFSC TRMK CUBI INTR FRME WAFD SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 52 South Broad Street, Norwich, NY, USA, 13815

Website https://www.nbtbancorp.com

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.

69GF Score

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$50.16

Price

$46.44

GF Value

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