NBTB (NBT Bancorp) Total Liabilities: $14,290.0 Mil (As of Mar. 2026)


NBTB NBT Bancorp Inc NBTB
69 GF Score
Price $50.13
GF Value $46.43
Valuation Fairly Valued
! 3 Warning Signs
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What is NBT Bancorp Total Liabilities?

NBT Bancorp NBTB +0.09% 69 Total Liabilities is $14,290.0 Mil as of Mar. 2026. GuruFocus rates NBTB with a GF Score™ of 69/100 and a GF Value™ of $46.43 (Fairly Valued). The stock has 3 warning signs investors should review.

NBT Bancorp's Total Liabilities for the quarter that ended in Mar. 2026 was $14,290.0 Mil.

NBT Bancorp's quarterly Total Liabilities declined from Sep. 2025 ($14,259.44 Mil) to Dec. 2025 ($14,098.91 Mil) but then increased from Dec. 2025 ($14,098.91 Mil) to Mar. 2026 ($14,290.01 Mil).

NBT Bancorp's annual Total Liabilities increased from Dec. 2023 ($11,883.35 Mil) to Dec. 2024 ($12,260.53 Mil) and increased from Dec. 2024 ($12,260.53 Mil) to Dec. 2025 ($14,098.91 Mil).

NBT Bancorp Total Liabilities Historical Data

* Premium members only.

The historical data trend for NBT Bancorp's Total Liabilities 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 Liabilities Chart

NBT Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Total Liabilities
Get a 7-Day Free Trial Premium Member Only Premium Member Only 10,761.66 10,565.74 11,883.35 12,260.53 14,098.91

NBT Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Total Liabilities 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 12,298.48 14,209.62 14,259.44 14,098.91 14,290.01
NBTB
69GF Score
NBT Bancorp Inc NBTB
Total Liabilities is just one metric. See GF Score™, valuation, warning signs, and more.
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NBT Bancorp Total Liabilities Calculation

Total Liabilities are the liabilities that the company has to pay others. It is a part of the balance sheet of a company that shareholders do not own, and would be obligated to pay back if the company liquidated.

NBT Bancorp's Total Liabilities for the fiscal year that ended in Dec. 2025 is calculated as

Total Liabilities=Total Assets (A: Dec. 2025 )-Total Equity (A: Dec. 2025 )
=15995.121-1896.216
=14,098.9

NBT Bancorp's Total Liabilities for the quarter that ended in Mar. 2026 is calculated as

Total Liabilities=Total Assets (Q: Mar. 2026 )-Total Equity (Q: Mar. 2026 )
=16204.406-1914.397
=14,290.0

* 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.

Frequently Asked Questions Learn more about Total Liabilities →
What does a Total Liabilities of $14,290.0 Mil mean?
NBT Bancorp (NBTB) has a Total Liabilities of $14,290.0 Mil as of Mar. 2026. The total amount of liabilities as recorded on a company's balance sheet. View historical data for NBT Bancorp and its competitors.
Is NBT Bancorp's Total Liabilities too high?
NBT Bancorp's current Total Liabilities is $14,290.0 Mil. 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 Total Liabilities compare to TBBK and BBT?
NBT Bancorp's Total Liabilities of $14,290.0 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 Liabilities for a Banks company?
A good Total Liabilities depends on the Banks industry context. However, Total Liabilities 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 Liabilities mean?
A high Total Liabilities can signal that a stock is expensive relative to its fundamentals. The total amount of liabilities as recorded on a company's balance sheet. View historical data for NBT Bancorp and its competitors. NBT Bancorp's current Total Liabilities is $14,290.0 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 $46.43, compared to a current price of $50.13 — trading 8% above its estimated fair value. The current Total Liabilities is $14,290.0 Mil. 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 Total Liabilities calculated?
Total Liabilities is calculated from a company's financial statements. For NBT Bancorp (NBTB), the current Total Liabilities is $14,290.0 Mil 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 $50.13 is trading 8% above its estimated GF Value™ of $46.43. GuruFocus considers NBT Bancorp to be Fairly Valued.

Key valuation signals for NBTB:

  • Total Liabilities: $14,290.0 Mil
  • GF Value™: $46.43 vs. price of $50.13 (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

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.
69GF Score

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

$50.13
Price
$46.43
GF Value