Latest 10-Q

What changed in NBT Bancorp Inc.'s latest quarterly report, compared with the one before.

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Insider trades

Open-market trades from Form 4. 10b5-1 marks a plan set in advance.Open-market buys and sales by officers, directors and 10% owners, from SEC Form 4. A plan set in advance is marked 10b5-1.

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13F holders

Funds that report this stock, checked against market prices.Fund managers with over $100 million in US-listed stocks file a 13F each quarter, up to 45 days after quarter end. Long positions only.

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Trades by members of Congress

Disclosed in dollar ranges, up to 45 days after the trade.Members of Congress, their spouses and dependent children report trades in dollar ranges, up to 45 days after the trade.

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Executive-branch trades

2 trades

Trades in NBT Bancorp Inc. reported by the President, Cabinet members and other senior executive-branch officials. Amounts are ranges.Form 278-T is the periodic transaction report that senior executive-branch officials file with the Office of Government Ethics. They must report each trade over $1,000 within 30 days of being notified of it, and no later than 45 days after the trade. Amounts are ranges, not exact figures.

Recent executive-branch trades
The form has no ticker column. The asset is shown as the filer wrote it. We add a ticker link only when we could match the asset to a listed company.The form asks for a range, such as $1,001 - $15,000, not an exact amount. A line can be left blank when the filer's note says the amount was not more than $1,000.Report
Donald J Trump
President of the United States
NBT BANCORP INC
read from scan
SaleMay 15, 2026$15,001 - $50,000Jun 25, 2026White House report ↗
Donald J Trump
President of the United States
NBT BANCORP INC
read from scan
PurchaseMar 4, 2026$15,001 - $50,000May 8, 2026White House report ↗
All 2 trades in NBTBFree to read. Amounts are ranges.

Lobbying

What NBT Bancorp Inc. and its lobbying firms report each quarter.A company that lobbies with its own staff reports its expenses; a lobbying firm it hires reports the income it received. We count both.

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Bank financials at NBT Bancorp Inc.

Q2 2026

Deposits, loans past due, charge-offs and capital of the banks NBT Bancorp Inc. owns, from FDIC call reports

US bank subsidiaries Q2 2026: $16.1B in assets, $13.7B in deposits (42.5% uninsured), commercial real estate 39.5% of loans, common equity Tier 1 ratio 11.8%. 1 bank: NBT BANK NATIONAL ASSN.

Last 8 quarters

Bank financials of NBT Bancorp Inc. by quarter
QuarterAssetsTotal assets of the company's US bank subsidiaries at the end of the quarter.DepositsDomestic and foreign deposits of the banks at the end of the quarter.UninsuredThe FDIC's estimate of deposits above the insurance limit, as a share of insured plus uninsured deposits in domestic offices.CRE % loansConstruction, multifamily and nonfarm nonresidential real estate loans (owner-occupied included) as a share of total loans.Past dueLoans 30 or more days past due and still accruing, as a percent of total loans. Nonaccrual loans are shown separately.NonaccrualLoans the bank no longer accrues interest on, as a percent of total loans.Charge-offsThe quarter's net charge-offs times four, over period-end loans.CET1The banks' common equity Tier 1 capital ratio, averaged by assets. Lowest first.
Q2 2026$16.1B$13.7B42.48%39.52%0.63%0.53%0.14%11.80%
Q1 2026$16.1B$13.9B43.45%39.71%0.40%0.50%0.17%12.06%
Q4 2025$15.9B$13.6B42.57%39.62%0.38%0.38%0.16%11.92%
Q3 2025$16.0B$13.8B42.77%40.01%0.38%0.40%0.15%11.68%
Q2 2025$15.9B$13.8B41.75%39.59%0.38%0.37%0.08%11.35%
Q1 2025$13.8B$11.9B40.53%36.88%0.32%0.45%0.26%11.89%
Q4 2024$13.7B$11.8B40.14%36.82%0.34%0.46%0.23%11.79%
Q3 2024$13.7B$11.8B40.73%36.31%0.36%0.34%0.16%11.81%

By loan type, Q2 2026

Past-due loans and charge-offs of NBT Bancorp Inc.'s banks by loan type
Loan typeLoansPast dueLoans 30 or more days past due and still accruing, as a percent of that loan type.NonaccrualCharge-offsThe quarter's net charge-offs times four, as a percent of that loan type.
1-4 family mortgages$3.2B0.36%0.61%0.00%
Commercial real estate$4.7B0.82%0.63%0.07%
Commercial and industrial$1.5B0.14%0.65%0.12%
Auto loans$1.4B1.04%0.19%0.11%
Other consumer$744M1.03%0.02%1.37%

Against Q2 2025: uninsured share +0.73 pp; commercial real estate share of loans -0.08 pp; past due, all loans +0.25 pp; past due, commercial real estate +0.63 pp.

All listed banks ranked

Source: FDIC call reports (FDIC BankFind), quarter ended 2026-06-30. Figures are for the company's US bank subsidiaries as filed with the FDIC (a bank's call report covers the bank only). They are not the consolidated holding company, which can include large non-bank businesses.

Lender stress at NBT Bancorp Inc.

Card, bank and complaint records for this lender, side by side

NBT Bancorp Inc. has bank card and auto delinquencies (FDIC). The page shows them next to each other; each keeps its own source and date.

NBT Bancorp Inc. on Lender stress · All lenders

The three records are reported separately and measure different things. Showing them together does not mean one explains another. Information, not investment advice.

Institutional ownership over time

How many funds reported holding the stock at the end of each quarter, and how many shares they held between them.

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More filings and data

Each opens the table.

About the company

The basics from the company’s SEC registration.

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$52.82+$0.10 (+0.19%) Nov 13 close
Oct 13, 2026: $50.19Oct 14, 2026: $50.18Oct 15, 2026: $50.71Oct 16, 2026: $50.85Oct 19, 2026: $50.68Oct 20, 2026: $51.58Oct 21, 2026: $51.45Oct 22, 2026: $52.79Oct 23, 2026: $52.87Oct 26, 2026: $53.13Oct 27, 2026: $52.89Oct 28, 2026: $51.97Oct 29, 2026: $52.97Oct 30, 2026: $52.19Nov 2, 2026: $53.46Nov 3, 2026: $52.61Nov 4, 2026: $54.00Nov 5, 2026: $52.97Nov 6, 2026: $52.83Nov 9, 2026: $53.64Nov 10, 2026: $53.41Nov 11, 2026: $52.95Nov 12, 2026: $52.72Nov 13, 2026: $52.82
Oct 13, 2026Low $50.18 · High $54.00Nov 13, 2026
Aug 13, 2026: $53.57Aug 14, 2026: $53.56Aug 17, 2026: $53.29Aug 18, 2026: $52.92Aug 19, 2026: $51.75Aug 20, 2026: $51.88Aug 21, 2026: $52.09Aug 24, 2026: $52.00Aug 25, 2026: $51.39Aug 26, 2026: $51.51Aug 27, 2026: $51.43Aug 28, 2026: $51.55Aug 31, 2026: $51.42Sep 1, 2026: $50.31Sep 2, 2026: $51.21Sep 3, 2026: $51.63Sep 4, 2026: $52.27Sep 8, 2026: $51.42Sep 9, 2026: $51.15Sep 10, 2026: $51.62Sep 11, 2026: $51.73Sep 14, 2026: $52.14Sep 15, 2026: $52.14Sep 16, 2026: $51.60Sep 17, 2026: $51.45Sep 18, 2026: $51.51Sep 21, 2026: $51.22Sep 22, 2026: $50.85Sep 23, 2026: $50.48Sep 24, 2026: $51.13Sep 25, 2026: $51.57Sep 28, 2026: $50.82Sep 29, 2026: $50.22Sep 30, 2026: $50.16Oct 1, 2026: $50.74Oct 2, 2026: $51.53Oct 5, 2026: $50.95Oct 6, 2026: $50.67Oct 7, 2026: $50.18Oct 8, 2026: $50.53Oct 9, 2026: $50.06Oct 12, 2026: $50.39Oct 13, 2026: $50.19Oct 14, 2026: $50.18Oct 15, 2026: $50.71Oct 16, 2026: $50.85Oct 19, 2026: $50.68Oct 20, 2026: $51.58Oct 21, 2026: $51.45Oct 22, 2026: $52.79Oct 23, 2026: $52.87Oct 26, 2026: $53.13Oct 27, 2026: $52.89Oct 28, 2026: $51.97Oct 29, 2026: $52.97Oct 30, 2026: $52.19Nov 2, 2026: $53.46Nov 3, 2026: $52.61Nov 4, 2026: $54.00Nov 5, 2026: $52.97Nov 6, 2026: $52.83Nov 9, 2026: $53.64Nov 10, 2026: $53.41Nov 11, 2026: $52.95Nov 12, 2026: $52.72Nov 13, 2026: $52.82
Aug 13, 2026Low $50.06 · High $54.00Nov 13, 2026
Nov 13, 2025: $41.20Nov 14, 2025: $40.93Nov 17, 2025: $39.65Nov 18, 2025: $39.77Nov 19, 2025: $39.61Nov 20, 2025: $39.96Nov 21, 2025: $41.28Nov 24, 2025: $41.14Nov 25, 2025: $42.35Nov 26, 2025: $42.14Nov 28, 2025: $41.46Dec 1, 2025: $41.54Dec 2, 2025: $41.54Dec 3, 2025: $42.24Dec 4, 2025: $41.82Dec 5, 2025: $42.01Dec 8, 2025: $42.28Dec 9, 2025: $42.30Dec 10, 2025: $43.79Dec 11, 2025: $44.06Dec 12, 2025: $44.03Dec 15, 2025: $44.46Dec 16, 2025: $43.98Dec 17, 2025: $44.21Dec 18, 2025: $44.46Dec 19, 2025: $43.50Dec 22, 2025: $43.11Dec 23, 2025: $42.65Dec 24, 2025: $42.71Dec 26, 2025: $42.71Dec 29, 2025: $42.30Dec 30, 2025: $41.71Dec 31, 2025: $41.52Jan 2, 2026: $41.59Jan 5, 2026: $42.39Jan 6, 2026: $42.86Jan 7, 2026: $42.59Jan 8, 2026: $43.28Jan 9, 2026: $42.88Jan 12, 2026: $42.53Jan 13, 2026: $42.13Jan 14, 2026: $42.71Jan 15, 2026: $43.71Jan 16, 2026: $43.59Jan 20, 2026: $43.07Jan 21, 2026: $45.19Jan 22, 2026: $45.47Jan 23, 2026: $43.65Jan 26, 2026: $43.91Jan 27, 2026: $43.42Jan 28, 2026: $42.62Jan 29, 2026: $44.11Jan 30, 2026: $44.43Feb 2, 2026: $45.41Feb 3, 2026: $45.25Feb 4, 2026: $46.06Feb 5, 2026: $46.38Feb 6, 2026: $46.65Feb 9, 2026: $46.29Feb 10, 2026: $45.58Feb 11, 2026: $45.33Feb 12, 2026: $45.56Feb 13, 2026: $45.82Feb 17, 2026: $45.71Feb 18, 2026: $44.98Feb 19, 2026: $45.16Feb 20, 2026: $45.63Feb 23, 2026: $43.66Feb 24, 2026: $43.93Feb 25, 2026: $45.21Feb 26, 2026: $44.45Feb 27, 2026: $42.72Mar 2, 2026: $42.78Mar 3, 2026: $42.67Mar 4, 2026: $43.01Mar 5, 2026: $42.43Mar 6, 2026: $41.63Mar 9, 2026: $41.41Mar 10, 2026: $41.53Mar 11, 2026: $41.13Mar 12, 2026: $41.25Mar 13, 2026: $41.47Mar 16, 2026: $41.45Mar 17, 2026: $41.31Mar 18, 2026: $40.62Mar 19, 2026: $40.97Mar 20, 2026: $40.71Mar 23, 2026: $41.99Mar 24, 2026: $41.96Mar 25, 2026: $42.47Mar 26, 2026: $42.54Mar 27, 2026: $41.86Mar 30, 2026: $42.02Mar 31, 2026: $42.58Apr 1, 2026: $43.00Apr 2, 2026: $43.15Apr 6, 2026: $43.69Apr 7, 2026: $43.99Apr 8, 2026: $44.98Apr 9, 2026: $45.79Apr 10, 2026: $45.16Apr 13, 2026: $45.40Apr 14, 2026: $45.19Apr 15, 2026: $44.89Apr 16, 2026: $44.60Apr 17, 2026: $45.65Apr 20, 2026: $45.76Apr 21, 2026: $45.07Apr 22, 2026: $44.72Apr 23, 2026: $45.29Apr 24, 2026: $43.25Apr 27, 2026: $44.00Apr 28, 2026: $44.57Apr 29, 2026: $43.69Apr 30, 2026: $43.69May 1, 2026: $44.21May 4, 2026: $44.07May 5, 2026: $44.72May 6, 2026: $45.20May 7, 2026: $45.07May 8, 2026: $45.59May 11, 2026: $44.82May 12, 2026: $44.98May 13, 2026: $44.54May 14, 2026: $44.38May 15, 2026: $44.09May 18, 2026: $44.80May 19, 2026: $44.81May 20, 2026: $45.57May 21, 2026: $45.86May 22, 2026: $45.93May 26, 2026: $46.58May 27, 2026: $46.09May 28, 2026: $46.25May 29, 2026: $46.24Jun 1, 2026: $45.51Jun 2, 2026: $46.49Jun 3, 2026: $44.79Jun 4, 2026: $46.43Jun 5, 2026: $46.41Jun 8, 2026: $46.24Jun 9, 2026: $47.21Jun 10, 2026: $47.47Jun 11, 2026: $47.67Jun 12, 2026: $48.18Jun 15, 2026: $47.41Jun 16, 2026: $47.30Jun 17, 2026: $46.35Jun 18, 2026: $46.68Jun 22, 2026: $47.29Jun 23, 2026: $48.10Jun 24, 2026: $48.72Jun 25, 2026: $49.26Jun 26, 2026: $49.59Jun 29, 2026: $49.17Jun 30, 2026: $49.37Jul 1, 2026: $50.25Jul 2, 2026: $50.08Jul 6, 2026: $50.16Jul 7, 2026: $49.63Jul 8, 2026: $49.05Jul 9, 2026: $49.95Jul 10, 2026: $50.28Jul 13, 2026: $50.61Jul 14, 2026: $50.64Jul 15, 2026: $51.30Jul 16, 2026: $53.18Jul 17, 2026: $52.45Jul 20, 2026: $52.33Jul 21, 2026: $52.08Jul 22, 2026: $51.73Jul 23, 2026: $51.32Jul 24, 2026: $52.38Jul 27, 2026: $52.52Jul 28, 2026: $53.64Jul 29, 2026: $54.26Jul 30, 2026: $52.93Jul 31, 2026: $52.65Aug 3, 2026: $52.91Aug 4, 2026: $53.78Aug 5, 2026: $53.22Aug 6, 2026: $52.91Aug 7, 2026: $52.66Aug 10, 2026: $52.47Aug 11, 2026: $52.90Aug 12, 2026: $53.41Aug 13, 2026: $53.57Aug 14, 2026: $53.56Aug 17, 2026: $53.29Aug 18, 2026: $52.92Aug 19, 2026: $51.75Aug 20, 2026: $51.88Aug 21, 2026: $52.09Aug 24, 2026: $52.00Aug 25, 2026: $51.39Aug 26, 2026: $51.51Aug 27, 2026: $51.43Aug 28, 2026: $51.55Aug 31, 2026: $51.42Sep 1, 2026: $50.31Sep 2, 2026: $51.21Sep 3, 2026: $51.63Sep 4, 2026: $52.27Sep 8, 2026: $51.42Sep 9, 2026: $51.15Sep 10, 2026: $51.62Sep 11, 2026: $51.73Sep 14, 2026: $52.14Sep 15, 2026: $52.14Sep 16, 2026: $51.60Sep 17, 2026: $51.45Sep 18, 2026: $51.51Sep 21, 2026: $51.22Sep 22, 2026: $50.85Sep 23, 2026: $50.48Sep 24, 2026: $51.13Sep 25, 2026: $51.57Sep 28, 2026: $50.82Sep 29, 2026: $50.22Sep 30, 2026: $50.16Oct 1, 2026: $50.74Oct 2, 2026: $51.53Oct 5, 2026: $50.95Oct 6, 2026: $50.67Oct 7, 2026: $50.18Oct 8, 2026: $50.53Oct 9, 2026: $50.06Oct 12, 2026: $50.39Oct 13, 2026: $50.19Oct 14, 2026: $50.18Oct 15, 2026: $50.71Oct 16, 2026: $50.85Oct 19, 2026: $50.68Oct 20, 2026: $51.58Oct 21, 2026: $51.45Oct 22, 2026: $52.79Oct 23, 2026: $52.87Oct 26, 2026: $53.13Oct 27, 2026: $52.89Oct 28, 2026: $51.97Oct 29, 2026: $52.97Oct 30, 2026: $52.19Nov 2, 2026: $53.46Nov 3, 2026: $52.61Nov 4, 2026: $54.00Nov 5, 2026: $52.97Nov 6, 2026: $52.83Nov 9, 2026: $53.64Nov 10, 2026: $53.41Nov 11, 2026: $52.95Nov 12, 2026: $52.72Nov 13, 2026: $52.82
Nov 13, 2025Low $39.61 · High $54.26Nov 13, 2026
Congress purchase Congress sale Insider sale over $1M

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