FinObservatory

SEC filings / CIK 790359

NBT BANCORP INC

National commercial banks, NY. 16 10-K filer-years in this dataset, the most recent for FY2025, filed Feb 27, 2026. Every figure below is as filed by the company and untouched: FinObservatory has not restated, rescaled or corrected anything, and a blank is a fact the filing does not tag, not a zero.

This is the SEC holding company, identified by its Central Index Key. It is not the insured bank subsidiary that appears in /banks and /deposits, which are FDIC call-report entities on a different consolidation. Nothing here should be compared line for line with those.

Held-to-maturity gap against reported equity

The fair value of the held-to-maturity book minus its carrying amount, divided by the stockholders’ equity the same filing reports. Years marked n/a are years in which the filing does not tag one of the three.

-10-8-5-303FY2010: HTM fair value less carrying amount, +0.3% of reported stockholders’ equityFY2011: HTM fair value less carrying amount, +0.3% of reported stockholders’ equityFY2012: HTM fair value less carrying amount, +0.2% of reported stockholders’ equityFY2013: HTM fair value less carrying amount, -0.5% of reported stockholders’ equityFY2014: HTM fair value less carrying amount, +0.1% of reported stockholders’ equityFY2015: HTM fair value less carrying amount, +0.2% of reported stockholders’ equityFY2016: HTM fair value less carrying amount, -0.3% of reported stockholders’ equityFY2017: HTM fair value less carrying amount, -0.2% of reported stockholders’ equityFY2018: HTM fair value less carrying amount, -0.5% of reported stockholders’ equityFY2019: HTM fair value less carrying amount, +1.0% of reported stockholders’ equityFY2020: HTM fair value less carrying amount, +1.7% of reported stockholders’ equityFY2021: HTM fair value less carrying amount, +0.2% of reported stockholders’ equityFY2022: HTM fair value less carrying amount, -9.1% of reported stockholders’ equityFY2023: HTM fair value less carrying amount, -6.4% of reported stockholders’ equityFY2024: HTM fair value less carrying amount, -6.1% of reported stockholders’ equityFY2025 (partial): HTM fair value less carrying amount, -3.2% of reported stockholders’ equity10111213141516171819202122232425Fiscal year of the 10-K% of reported stockholders’ equity

The gap is computable for 16 of this company’s 16 filings.

Source: SEC Financial Statement Data Sets, US Securities and Exchange Commission, Division of Economic and Risk Analysis. Facts as filed: uncleaned, unrestated, not audited by FinObservatory. Selection: consolidated USD balance-sheet instants at each filing's own period end, from this company's 10-K submissions with prevrpt = 0. Methodology

Filing history, as filed

FYFiledAssetsDepositsEquityAOCIHTM carryingHTM fair valueGap, % of equityCustom facts
2025pFeb 27, 2026$16.00bn$13.50bn$1.90bn-$82.6m$762.8m$702.6m-3.2%10.6%
2024Feb 28, 2025$13.79bn$11.55bn$1.53bn-$142.1m$842.9m$749.9m-6.1%11.3%
2023Feb 29, 2024$13.31bn$10.97bn$1.43bn-$160.9m$905.3m$814.5m-6.4%12.3%
2022Mar 1, 2023$11.74bn$9.50bn$1.17bn-$190.0m$919.5m$812.6m-9.1%11.5%
2021Mar 1, 2022$12.01bn$10.23bn$1.25bn-$23.3m$733.2m$735.3m+0.2%10.9%
2020Mar 1, 2021$10.93bn$9.08bn$1.19bn$417k$616.6m$636.8m+1.7%11.6%
2019Mar 2, 2020$9.72bn$7.59bn$1.12bn-$19.0m$630.1m$641.3m+1.0%11.5%
2018Mar 1, 2019$9.56bn$7.37bn$1.02bn-$43.2m$783.6m$778.7m-0.5%8.9%
2017Mar 1, 2018$9.14bn$7.17bn$958.2m-$22.1m$484.1m$481.9m-0.2%6.9%
2016Mar 1, 2017$8.87bn$6.97bn$913.3m-$21.5m$527.9m$525.0m-0.3%7.8%
2015Feb 29, 2016$8.26bn$6.60bn$882.0m-$22.4m$471.0m$473.1m+0.2%8.8%
2014Mar 2, 2015$7.80bn$6.30bn$864.2m-$17.0m$454.4m$455.0m+0.1%9.5%
2013Mar 3, 2014$7.65bn$5.89bn$816.6m-$16.8m$117.3m$113.3m-0.5%8.8%
2012Mar 1, 2013$6.04bn$4.78bn$582.3m-$5.9m$60.6m$61.5m+0.2%9.6%
2011Feb 29, 2012$5.60bn$4.37bn$538.1m-$6.1m$70.8m$72.2m+0.3%8.8%
2010Mar 1, 2011$5.34bn$4.13bn$533.6m-$5.3m$97.3m$98.8m+0.3%8.7%

ext marks a carrying amount tagged with a company-invented element. p marks FY2025, which the dataset’s filing window (closing Mar 31, 2026) leaves incomplete across filers. “Custom facts” is the share of that filing’s consolidated facts carrying a company-invented tag, in any unit.

Source: SEC Financial Statement Data Sets, US Securities and Exchange Commission, Division of Economic and Risk Analysis. Facts as filed: uncleaned, unrestated, not audited by FinObservatory. Selection: this company's 10-K submissions with prevrpt = 0, one per fiscal year by latest filed date; consolidated USD instants at each filing's period end. Dollar columns are raw US dollars. Methodology

What this page cannot tell you

  • A blank in the held-to-maturity columns means the filing does not tag that fact on the consolidated face. It does not mean the company holds no held-to-maturity securities, and this dataset cannot distinguish the two.
  • A held-to-maturity gap is not a realised loss. Held to maturity, the securities pay par. The gap measures how far the reported equity sits from a mark-to-market equity, which becomes a solvency question only if the book must be sold.
  • AOCI is not the held-to-maturity mark. It bundles available-for-sale marks, hedge marks, pension and translation, net of tax. Do not add the two columns.
  • Every value is as filed. A scale error, sign error or mis-tag by the company is reproduced here exactly as the company made it.

Pages exist for the 650 bank and thrift holding companies with at least one 10-K from FY2015 onward, out of 900 with a 10-K anywhere in the dataset.