NBT Bancorp

NBT Bank, N.A. is a full-service community bank offering a complete range of retail and commercial banking products as well as trust and investment services. Formed in 1856, NBT Bank, N.A. conducts business through a network of more than 155 banking locations in six states including New York, Pennsylvania, Vermont, Massachusetts, New Hampshire and Maine.

NBT Financial Services, Inc. was formed in 1999 and is the parent company of EPIC Advisors, Inc. and NBT-Mang Insurance Agency, LLC. Epic Advisors, based in Rochester, NY, is a full -service 401(k) plan record keeping firm. NBT-Mang Insurance Agency, based in Norwich, NY, is a full-service insurance agency.

Parent Company
State Bank Financial
Norwich, US
NBT Bancorp was founded in 1999 and is headquartered in Norwich, US

NBT Bancorp Office Locations

NBT Bancorp has an office in Norwich
Norwich, US (HQ)
52 S Broad St

NBT Bancorp Metrics

NBT Bancorp Summary

Founding Date

NBT Bancorp is a subsidiary of State Bank Financial

NBT Bancorp Financial Metrics

FY, 2013FY, 2014FY, 2015FY, 2016


$157.6 m$139.6 m$130.6 m$147.8 m

Accounts Receivable



$88.3 m$89.3 m$88.8 m$84.2 m


$265 m$263.6 m$266 m$265.4 m

Total Assets

$7.7 b$7.8 b$8.3 b$8.9 b

Accounts Payable

Total Debt

$764.9 m$447.7 m$572.9 m$785.8 m

Additional Paid-in Capital

$574.2 m$576.5 m$576.7 m$575.1 m

Retained Earnings

$385.8 m$424 m$462.2 m$501.8 m

Total Equity

$816.6 m$864.2 m$882 m$913.3 m

Debt to Equity Ratio

0.9 x0.5 x0.6 x0.9 x

Debt to Assets Ratio

0.1 x0.1 x0.1 x0.1 x

Financial Leverage

9.4 x9 x9.4 x9.7 x
FY, 2013FY, 2014FY, 2015FY, 2016

Net Income

$61.7 m$75.1 m$76.4 m$78.4 m

Depreciation and Amortization

$4.9 m$3.9 m

Accounts Receivable


Accounts Payable

Cash From Operating Activities

$119.3 m$87.8 m$124.5 m$109.5 m

Cash From Investing Activities

($183.8 m)($143.7 m)($504 m)($630 m)

Long-term Borrowings

($163.6 m)($315.8 m)($498 k)($50.2 m)

Cash From Financing Activities

$59.7 m$43.6 m$373.1 m$529.3 m

Interest Paid

$31.3 m$23.4 m$20.9 m$22.5 m

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