NBT Bancorp Debt to Equity Ratio 2012-2026 | NBTB

Current and historical debt to equity ratio values for NBT Bancorp (NBTB) over the last 10 years. The debt/equity ratio can be defined as a measure of a company's financial leverage calculated by dividing its long-term debt by stockholders' equity. NBT Bancorp debt/equity for the three months ending June 30, 2026 was 0.08.
Unlock Macrotrends Premium
40 years of data
Faster, ad-free pages
Unlimited data exports
Full-width charts
NBT Bancorp Debt/Equity Ratio Historical Data
Date Long Term Debt Shareholder's Equity Debt to Equity Ratio
2026-06-30 $14.27B $1.94B 7.34
2026-03-31 $14.29B $1.91B 7.46
2025-12-31 $14.10B $1.90B 7.44
2025-09-30 $14.26B $1.85B 7.70
2025-06-30 $14.21B $1.81B 7.87
2025-03-31 $12.30B $1.57B 7.86
2024-12-31 $12.26B $1.53B 8.03
2024-09-30 $12.32B $1.52B 8.09
2024-06-30 $12.04B $1.46B 8.24
2024-03-31 $12.00B $1.44B 8.32
2023-12-31 $11.88B $1.43B 8.34
2023-09-30 $12.47B $1.36B 9.15
2023-06-30 $10.68B $1.21B 8.82
2023-03-31 $10.63B $1.21B 8.77
2022-12-31 $10.57B $1.17B 9.00
2022-09-30 $10.48B $1.16B 9.07
2022-06-30 $10.53B $1.19B 8.86
2022-03-31 $10.95B $1.20B 9.10
2021-12-31 $10.76B $1.25B 8.61
2021-09-30 $10.75B $1.24B 8.66
2021-06-30 $10.35B $1.23B 8.45
2021-03-31 $10.35B $1.19B 8.69
2020-12-31 $9.75B $1.19B 8.21
2020-09-30 $9.68B $1.17B 8.31
2020-06-30 $9.71B $1.14B 8.49
2020-03-31 $8.84B $1.11B 7.95
2019-12-31 $8.60B $1.12B 7.67
2019-09-30 $8.56B $1.10B 7.79
2019-06-30 $8.56B $1.08B 7.97
2019-03-31 $8.50B $1.03B 8.22
2018-12-31 $8.54B $1.02B 8.39
2018-09-30 $8.55B $0.99B 8.60
2018-06-30 $8.49B $0.98B 8.67
2018-03-31 $8.28B $0.95B 8.69
2017-12-31 $8.18B $0.96B 8.54
2017-09-30 $8.20B $0.96B 8.58
2017-06-30 $8.14B $0.94B 8.65
2017-03-31 $8.02B $0.93B 8.65
2016-12-31 $7.95B $0.91B 8.71
2016-09-30 $7.86B $0.91B 8.65
2016-06-30 $7.73B $0.90B 8.62
2016-03-31 $7.59B $0.88B 8.61
2015-12-31 $7.38B $0.88B 8.37
2015-09-30 $7.29B $0.88B 8.32
2015-06-30 $7.20B $0.88B 8.22
2015-03-31 $6.99B $0.88B 7.96
2014-12-31 $6.94B $0.86B 8.03
2014-09-30 $7.01B $0.86B 8.18
2014-06-30 $7.01B $0.86B 8.18
2014-03-31 $6.92B $0.83B 8.32
2013-12-31 $6.84B $0.82B 8.37
2013-09-30 $6.87B $0.80B 8.64
2013-06-30 $6.74B $0.79B 8.52
2013-03-31 $6.81B $0.80B 8.48
2012-12-31 $5.46B $0.58B 9.38
2012-09-30 $5.45B $0.58B 9.46
2012-06-30 $5.40B $0.57B 9.53
2012-03-31 $5.24B $0.55B 9.54
2011-12-31 $5.06B $0.54B 9.40
2011-09-30 $4.94B $0.54B 9.17
2011-06-30 $4.80B $0.54B 8.97
2011-03-31 $4.94B $0.54B 9.16
2010-12-31 $4.81B $0.53B 9.01
2010-09-30 $4.95B $0.53B 9.26
2010-06-30 $4.89B $0.53B 9.28
2010-03-31 $5.02B $0.52B 9.73
2009-12-31 $4.96B $0.51B 9.82
2009-09-30 $4.99B $0.50B 10.02
2009-06-30 $4.94B $0.48B 10.24
2009-03-31 $4.96B $0.44B 11.22
2008-12-31 $4.90B $0.43B 11.36
2008-09-30 $4.91B $0.42B 11.67
2008-06-30 $4.91B $0.40B 12.15
2008-03-31 $4.82B $0.41B 11.89
2007-12-31 $4.80B $0.40B 12.09
2007-09-30 $4.77B $0.39B 12.36
2007-06-30 $4.73B $0.39B 12.10
2007-03-31 $4.69B $0.41B 11.52
2006-12-31 $4.68B $0.40B 11.60
2006-09-30 $4.66B $0.40B 11.66
2006-06-30 $4.62B $0.38B 12.23
2006-03-31 $4.50B $0.39B 11.67
2005-12-31 $4.09B $0.33B 12.26
2005-09-30 $4.05B $0.33B 12.20
2005-06-30 $4.05B $0.33B 12.25
2005-03-31 $3.94B $0.32B 12.33
2004-12-31 $3.88B $0.33B 11.68
2004-09-30 $3.88B $0.33B 11.91
2004-06-30 $3.82B $0.31B 12.41
2004-03-31 $3.69B $0.32B 11.46
2003-12-31 $3.74B $0.31B 12.05
2003-09-30 $3.74B $0.31B 12.28
2003-06-30 $3.62B $0.30B 12.15
2003-03-31 $3.46B $0.29B 11.87
2002-12-31 $3.43B $0.29B 11.74
2002-09-30 $3.44B $0.29B 11.97
2002-06-30 $3.40B $0.28B 12.01
2002-03-31 $3.33B $0.27B 12.39
2001-12-31 $3.37B $0.27B 12.66
2001-09-30 $3.37B $0.29B 11.54
2001-06-30 $3.41B $0.29B 11.65
2001-03-31 $3.26B $0.28B 11.62
2000-12-31 $3.34B $0.27B 12.37
2000-09-30 $2.35B $0.21B 11.36
2000-06-30 $2.32B $0.20B 11.57
2000-03-31 $2.25B $0.20B 11.58
1999-12-31 $1.27B $0.13B 10.01
1999-09-30 $1.25B $0.13B 9.78
1999-06-30 $1.22B $0.13B 9.62
1999-03-31 $1.18B $0.13B 8.97
1998-12-31 $1.16B $0.13B 8.88
1998-09-30 $1.17B $0.13B 8.83
1998-06-30 $1.17B $0.13B 9.06
1998-03-31 $1.16B $0.13B 9.16
1997-12-31 $1.16B $0.12B 9.38
1997-09-30 $1.16B $0.12B 9.79
1997-06-30 $1.13B $0.11B 9.89
1997-03-31 $1.10B $0.11B 10.15
1996-12-31 $1.03B $0.11B 9.72
1996-09-30 $1.04B $0.10B 10.20
1996-06-30 $1.02B $0.10B 10.11
1996-03-31 $0.00B $0.10B 0.00
1995-12-31 $1.00B $0.11B 9.24
1995-09-30 $0.96B $0.10B 9.27
1995-06-30 $0.00B $0.10B 0.00
1995-03-31 $0.00B $0.10B 0.00
1994-12-31 $0.00B $0.10B 0.00
1994-09-30 $0.00B 0.00
1994-06-30 $0.95B $0.10B 9.64
1994-03-31 $0.87B $0.10B 8.66
1993-12-31 $0.85B $0.10B 8.44
1993-09-30 $0.86B $0.10B 8.65
1993-06-30 $0.81B $0.10B 8.37
1993-03-31 $0.79B $0.10B 8.30
1992-12-31 $0.78B $0.09B 8.24
1992-09-30 $0.77B $0.09B 8.37
1992-06-30 $0.74B $0.09B 8.19
1992-03-31 $0.76B $0.09B 8.49
1991-12-31 $0.75B $0.09B 8.55
1991-09-30 $0.77B $0.09B 8.83
1991-06-30 $0.74B $0.09B 8.63
1991-03-31 $0.77B $0.08B 9.16
1990-12-31 $0.77B $0.08B 9.31
1990-09-30 $0.76B $0.08B 9.24
1990-06-30 $0.75B $0.08B 9.33
1990-03-31 $0.74B $0.08B 9.37
1989-12-31 $0.76B $0.08B 9.83
1989-09-30 $0.75B $0.07B 10.17
1989-06-30 $0.44B $0.06B 7.18
1989-03-31 $0.45B $0.06B 7.58
1988-12-31 $0.46B $0.06B 8.03
1988-09-30 $0.45B $0.06B 8.01
1988-06-30 $0.44B $0.06B 8.00
1988-03-31 $0.42B $0.05B 7.98
1987-12-31 $0.43B $0.05B 8.19
1987-09-30 $0.41B $0.05B 8.10
1987-06-30 $0.41B $0.05B 8.19
1987-03-31 $0.40B $0.05B 8.34
1986-12-31 $0.40B $0.05B 8.52
Sector Industry Market Cap Revenue
Finance Banks - Northeast $2.681B $0.906B
NBT BANCORP INC. is a one bank holding company engaged in general banking business.
Stock Name Country Market Cap PE Ratio
Citizens Financial (CFG) United States $28.151B 14.50
Webster Financial (WBS) United States $12.569B 12.31
Central Bancompany (CBC) United States $7.520B 0.00
Valley National Bancorp (VLY) United States $7.482B 11.48
Atlantic Union Bankshares (AUB) United States $5.590B 10.75
Bank OZK (OZK) United States $5.369B 7.93
Eastern Bankshares (EBC) United States $4.934B 12.70
Fulton Financial (FULT) United States $4.479B 10.43
Independent Bank (INDB) United States $3.907B 12.44
Nicolet Bankshares (NIC) United States $3.518B 15.08
FB Financial (FBK) United States $2.706B 12.06
Beacon Financial (BBT) United States $2.608B 11.53
Merchants Bancorp (MBIN) United States $2.418B 10.57
OFG Bancorp (OFG) United States $2.219B 10.33
First Commonwealth Financial (FCF) United States $2.143B 13.01
Bancorp (TBBK) United States $2.069B 9.54
S&T Bancorp (STBA) United States $1.758B 13.26
Byline Bancorp (BY) United States $1.700B 11.30
Bank First National (BFC) United States $1.669B 17.50
Pathward Financial (CASH) United States $1.630B 9.83
ConnectOne Bancorp (CNOB) United States $1.587B 9.98
Esquire Financial Holdings (ESQ) United States $1.466B 19.53
First Mid Bancshares (FMBH) United States $1.335B 11.33
HBT Financial (HBT) United States $1.311B 13.10
Univest Of Pennsylvania (UVSP) United States $1.177B 12.34
Metropolitan Bank Holding (MCB) United States $1.113B 11.36
Equity Bancshares (EQBK) United States $1.013B 9.63
CNB Financial (CCNE) United States $1.008B 9.75
Business First Bancshares (BFST) United States $1.008B 10.50
Horizon Bancorp (IN) (HBNC) United States $1.001B 10.65
NB Bancorp (NBBK) United States $0.996B 12.03
TrustCo Bank Corp NY (TRST) United States $0.977B 15.94
Camden National (CAC) United States $0.965B 10.96
Mid Penn Bancorp (MPB) United States $0.934B 11.85
SmartFinancial (SMBK) United States $0.883B 15.02
Eagle Bancorp (EGBN) United States $0.861B 0.00
Orrstown Financial Services Inc (ORRF) United States $0.826B 9.44
Independent Bank (IBCP) United States $0.810B 10.60
Peapack-Gladstone Financial (PGC) United States $0.798B 15.64
Financial Institutions (FISI) United States $0.793B 9.98
Shore Bancshares Inc (SHBI) United States $0.775B 10.76
Washington Trust Bancorp (WASH) United States $0.748B 13.62
Peoples Financial Services (PFIS) United States $0.710B 7.90
Arrow Financial (AROW) United States $0.708B 12.02
Midland States Bancorp (MSBI) United States $0.692B 14.00
Carter Bankshares (CARE) United States $0.678B 19.11
Hingham Institution For Savings (HIFS) United States $0.657B 16.72
Unity Bancorp (UNTY) United States $0.595B 10.66
Capital Bancorp (CBNK) United States $0.592B 11.25
Bridgewater Bancshares (BWB) United States $0.582B 12.35
Dacotah Banks (DBIN) United States $0.578B 11.80
Bankwell Financial (BWFG) United States $0.532B 12.47
Orange County Bancorp (OBT) United States $0.513B 10.77
Farmers & Merchants Bancorp (FMAO) United States $0.493B 12.30
Citizens & Northern Corp (CZNC) United States $0.466B 14.11
Pioneer Bancorp (PBFS) United States $0.450B 22.64
Avidia Bancorp (AVBC) United States $0.445B 23.46
Parke Bancorp (PKBK) United States $0.405B 8.98
Mvb Financial (MVBF) United States $0.401B 42.90
First Bancorp (ME) (FNLC) United States $0.396B 10.41
Citizens Financial Services (CZFS) United States $0.391B 9.51
Norwood Financial (NWFL) United States $0.380B 10.37
Northeast Community Bancorp (NECB) United States $0.374B 8.71
LINKBANCORP (LNKB) United States $0.327B 12.31
Fidelity D&D Bancorp (FDBC) United States $0.318B 10.43
Chain Bridge Bancorp (CBNA) United States $0.302B 11.34
Blue Foundry Bancorp (BLFY) United States $0.293B 0.00
Princeton Bancorp (BPRN) United States $0.293B 11.33
Isabella Bank (ISBA) United States $0.291B 14.01
Franklin Financial Services (FRAF) United States $0.286B 11.57
Middlefield Banc (MBCN) United States $0.283B 14.66
First United (FUNC) United States $0.281B 10.07
First National (FXNC) United States $0.279B 13.02
LCNB (LCNB) United States $0.274B 11.10
QNB (QNBC) United States $0.274B 11.68
Richmond Mutual Bancorporation (RMBI) United States $0.265B 13.06
Hawthorn Bancshares (HWBK) United States $0.264B 10.03
Virginia National Bankshares (VABK) United States $0.256B 10.34
First Internet Bancorp (INBK) United States $0.241B 0.00
Meridian Bank (MRBK) United States $0.231B 9.42
Community Bancorp (CMTV) United States $0.229B 12.44
CF Bankshares (CFBK) United States $0.224B 11.98
PSB Holdings (PSBQ) United States $0.209B 14.74
Rhinebeck Bancorp (RBKB) United States $0.201B 18.07
CB Financial Services (CBFV) United States $0.189B 12.44
Hanover Bancorp (HNVR) United States $0.187B 16.64
SB Financial (SBFG) United States $0.183B 10.90
ECB Bancorp (ECBK) United States $0.181B 15.14
MainStreet Bank (MNSB) United States $0.178B 12.25
BV Financial (BVFL) United States $0.177B 10.41
DimeCo (DIMC) United States $0.164B 8.76
SR Bancorp (SRBK) United States $0.158B 47.66
BCB Bancorp (NJ) (BCBP) United States $0.149B 0.00
American Bank (AMBK) United States $0.147B 10.49
Southern Michigan Bancorp (SOMC) United States $0.146B 11.93
F & M Bank (FMBM) United States $0.145B 9.98
Hoyne Bancorp (HYNE) United States $0.133B 0.00
Magyar Bancorp (MGYR) United States $0.124B 10.30
Community Heritage Financial (CMHF) $0.122B 11.06
Winchester Bancorp (WSBK) United States $0.120B 26.33
First Keystone (FKYS) United States $0.119B 14.98
Harleysville Savings Financial (HARL) United States $0.119B 9.82
Potomac Bancshares (PTBS) $0.119B 10.29
Jeffersonville Bancorp (JFBC) United States $0.119B 9.06
Union Bankshares (UNB) United States $0.117B 9.05
Bogota Financial (BSBK) United States $0.115B 42.90
University Bancorp (UNIB) United States $0.115B 0.00
Oxford Bank (OXBC) $0.112B 11.64
Patriot National Bancorp (PNBK) United States $0.109B 0.00
1895 Bancorp Of Wisconsin (BCOW) United States $0.098B 84.29
IF Bancorp (IROQ) United States $0.093B 17.33
Cullman Bancorp (CULL) United States $0.092B 0.00
Ballston Spa Bancorp (BSPA) United States $0.090B 0.00
Freedom Financial Holdings (FDVA) United States $0.085B 0.00
AmeriServ Financial (ASRV) United States $0.083B 9.57
First Seacoast Bancorp (FSEA) United States $0.081B 0.00
First Resource Bancorp (FRSB) United States $0.078B 7.91
NSTS Bancorp (NSTS) United States $0.074B 0.00
FFBW (FFBW) United States $0.065B 21.64
Cib Marine Bancshares (CIBH) United States $0.060B 29.11
West Shore Bank (WSSH) $0.053B 0.00
PB Bankshares (PBBK) United States $0.051B 20.21
Pioneer Bankshares (PNBI) United States $0.050B 12.56
Marathon Bancorp (MBBC) United States $0.044B 22.40