Bank call report · Norwich, NY
NBT Bank, N.A. Call Report
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NBT Bank, N.A. filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 607 reported line items, schedule by schedule (938 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 702117 |
| FDIC certificate number | 7230 |
| Total assets | $16.09B |
Official Q2 2026 call report PDF (FFIEC) →
NBT Bank, N.A. call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (29 items)
About Schedule RC · NBT Bank, N.A. balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $16.09B |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $16.09B |
| Total Liabilities and Minority Interest | RCON2948 | $14.23B |
| Total Deposits | RCON2200 | $13.68B |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $12.35B |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $11.87B |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $11.73B |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $2.01B |
| Total Equity Capital | RCON3210 | $1.86B |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $1.86B |
| Deposits: Noninterest-bearing | RCON6631 | $1.32B |
| Surplus | RCON3839 | $1.01B |
| Undivided Profits and Capital Reserves | RCON3632 | $906.7M |
| Held to maturity securities (ASU 2016-13 adoption) | RCONJJ34 | $755.1M |
| Held-to-maturity Securities, Total | RCON1754 | $755.1M |
| Other Assets | RCON2160 | $728.1M |
| Intangible Assets | RCON2143 | $471.7M |
| Goodwill | RCON3163 | $422.0M |
| Other Borrowed Money | RCON3190 | $200.0M |
| Other Liabilities, Total | RCON2930 | $195.7M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $187.2M |
| Allowance for Loan and Lease Losses | RCON3123 | $140.5M |
| Securities Sold Under Agreements to Repurchase | RCONB995 | $119.4M |
| Interest-bearing Balances | RCON0071 | $103.3M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $94.8M |
| Accumulated Other Comprehensive Income | RCONB530 | -$79.0M |
| Federal Funds Purchased in Domestic Offices | RCONB993 | $40.0M |
| Common Stock | RCON3230 | $25.0M |
| Equity securities with readily determinable fair values not held for trading | RCONJA22 | $11.7M |
Schedule RI: Income Statement (55 items)
About Schedule RI · NBT Bank, N.A. income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $368.4M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $324.9M |
| Net Interest Income | RIAD4074 | $275.8M |
| Total Noninterest Expense | RIAD4093 | $200.2M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $139.2M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $126.5M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $126.4M |
| Salaries and Employee Benefits | RIAD4135 | $111.7M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $96.8M |
| Net Income (Loss) | RIAD4340 | $96.8M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $96.8M |
| Total Interest Expense | RIAD4073 | $92.6M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $79.0M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $65.6M |
| Total Noninterest Income | RIAD4079 | $62.3M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $57.6M |
| Other Noninterest Expense | RIAD4092 | $52.6M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $43.8M |
| Expenses of Premises and Fixed Assets | RIAD4217 | $30.0M |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $29.7M |
| Applicable Income Taxes | RIAD4302 | $29.6M |
| Other Noninterest Income | RIADB497 | $26.8M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $14.6M |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $12.0M |
| Provision for Loan and Lease Losses | RIAD4230 | $11.7M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $11.4M |
| Service Charges on Deposits in Domestic Office Overdraft Related for Individuals | RIADH032 | $6.6M |
| Amortization Expense and Impairment Losses Intangible Assets | RIADC232 | $5.9M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $5.2M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $5.2M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $5.0M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $4.6M |
| Interest on Other Securities | RIAD4060 | $4.6M |
| Service Charges on Deposits in Domestic Office All Other | RIADH035 | $3.6M |
| Investment Banking, Advisory, and Underwriting Fees and Commissions | RIADC888 | $3.0M |
| Fees and Commissions from Securities Brokerage | RIADC886 | $2.9M |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $2.8M |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $2.7M |
| Income from the Sale and Servicing of Mutual Funds and Annuities (in Domestic Offices) | RIAD8431 | $2.5M |
| Fees and Commissions from Annuity Sales | RIADC887 | $2.0M |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $1.7M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $1.6M |
| Service Charges on Deposits in Domestic Office Atm-related for Individuals | RIADH034 | $1.5M |
| Net Servicing Fees | RIADB492 | $1.3M |
| Other Interest Income | RIAD4518 | $1.2M |
| Interest on Trading Liabilities and Other Borrowed Money | RIAD4185 | $1.2M |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $918K |
| Interest Expense Incurred to Carry Tax-exempt Securities, Loans, and Leases Acquired After August 7, 1986, That Is Not Deductible for Federal Income Tax Purposes | RIAD4513 | $421K |
| Service Charges on Deposits in Domestic Office Maintenance for Individuals | RIADH033 | $309K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $112K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | $99K |
| Unrealized holding gains (losses) on equity securities not held for trading | RIADHT70 | -$47K |
| Net Gains (Losses) on Credit Derivatives Held for Purposes Other Than Trading | RIADC890 | $28K |
| Net Gains (Losses) on Sales of Other Assets (Excluding Securities) | RIADB496 | -$17K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 1,976 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $290.5M |
| Balances Due from Federal Reserve Banks | RCON0090 | $96.7M |
| Currency and Coin | RCON0080 | $90.4M |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $73.6M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $29.8M |
Schedule RC-B: Securities (48 items)
About Schedule RC-B · NBT Bank, N.A. securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Amortized Cost | RCONG302 | $70.6M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Available-for-sale Fair Value | RCONG303 | $69.6M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Held-to-maturity Amortized Cost | RCONG300 | $20K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Guaranteed by GNMA: Held-to-maturity Fair Value | RCONG301 | $20K |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Amortized Cost | RCONG306 | $520.1M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Available-for-sale Fair Value | RCONG307 | $497.1M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Amortized Cost | RCONG304 | $179.5M |
| Mortgage-backed Securities (MBS): Residential Pass-through Securities: Issued by FNMA and FHLMC: Held-to-maturity Fair Value | RCONG305 | $155.6M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $485.1M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $461.8M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Amortized Cost | RCONG312 | $65.3M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Held-to-maturity Fair Value | RCONG313 | $61.2M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $2.11B |
| Pledged Securities | RCON0416 | $1.80B |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $759.5M |
| Total Fair Value of Held-to-maturity Securities | RCON1771 | $692.7M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK152 | $400.6M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $400.3M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK153 | $373.8M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $352.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $341.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $332.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $311.8M |
| Amortized Cost of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8496 | $281.0M |
| Fair Value of Held-to-maturity Securities Issued by States and Political Subdivisions in the U.S. | RCON8497 | $269.3M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $258.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $228.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $216.4M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $201.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $146.3M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Amortized Cost | RCONK150 | $117.3M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Amortized Cost | RCONHT50 | $112.0M |
| Mortgage-backed Securities (Mbs):commercial MBS: Other Commercial MBS :Issued or Guaranteed by Fnma,fhlmc or GNMA: Held-to-maturity Fair Value | RCONK151 | $106.1M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $104.4M |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $101.8M |
| US government agency obligations (exclude mortgage-backed securities), Held-to-maturity, Fair Value | RCONHT51 | $100.6M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $84.8M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $81.1M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Amortized Cost | RCONK144 | $69.9M |
| Mortgage-backed Securities (Mbs):commercial MBS: Commercial Mortgage Pass-through Securities:issued or Guaranteed by Fnma,fhlmc or GNMA: Available-for-sale Fair Value | RCONK145 | $66.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $63.3M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $22.5M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $21.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $21.2M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA558 | $10.5M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $1.9M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $996K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA556 | $407K |
Schedule RC-C, Part I: Loans and Leases (45 items)
About Schedule RC-C, Part I · NBT Bank, N.A. loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $11.87B |
| Pledged Loans and Leases | RCONG378 | $6.56B |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $3.52B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $3.03B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $2.76B |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $2.73B |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $1.72B |
| Commercial and Industrial Loans | RCON1766 | $1.51B |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $1.51B |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $1.50B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $1.46B |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $1.43B |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $1.29B |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $1.20B |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $996.9M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $743.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $566.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $558.4M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $517.5M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $446.4M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $431.1M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $373.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $286.6M |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $126.1M |
| Other Loans | RCONJ464 | $126.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $98.4M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $66.4M |
| Real Estate Loans Secured by Farmland | RCON1420 | $63.9M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $54.1M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $44.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $44.6M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $34.1M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $26.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $13.6M |
| Loans Secured by 1-4 Family Residential Properties in Domestic Offices in Process of Foreclosure (Included in Rc-c, Part I, Items 1.C.(1), 1.C.(2)(A), and 1.C.(2)(B) | RCONF577 | $9.2M |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $4.0M |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions | RCONJ454 | $3.6M |
| Loans to business credit intermediaries | RCONPV06 | $3.5M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $1.5M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty and in Compliance with Modified Terms: Loans Secured by 1-4 Family Residential Properties in Domestic Offices | RCONF576 | $1.5M |
| Loans Secured by Real Estate to Non-u.s. Addressees (Domicile) | RCONB837 | $542K |
| Other loans to nondepository financial institutions | RCONPV09 | $79K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - All Other Loans | RCONK165 | $9K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Automobile Loans That Exceed 10 Percent of Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONK203 | $9K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $8K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $399.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $232.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $77.7M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $64.6M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $59.4M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $8.6M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $5.5M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $5.5M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $5.0M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $4.5M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $4.1M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $830K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 3,241 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 1,112 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 832 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 695 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 541 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 270 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 124 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 56 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 54 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 53 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 41 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 24 |
Schedule RC-E: Deposit Liabilities (37 items)
About Schedule RC-E · NBT Bank, N.A. deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $12.10B |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $10.76B |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $8.75B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Mmdas of Individuals, Partnerships and Corporations | RCONP757 | $4.42B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those MMDA Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP756 | $3.43B |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $2.01B |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Total Deposits in Those Other Savings Deposit Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP758 | $1.61B |
| Total Transaction Accounts | RCON2215 | $1.58B |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $1.44B |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $1.33B |
| Total Demand Deposits (See Note Below) | RCON2210 | $1.32B |
| Total reciprocal deposits | RCONJH83 | $1.15B |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $945.0M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $827.9M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $827.9M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $613.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $506.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $438.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $405.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $310.7M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $272.9M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Noninterest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP753 | $195.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $177.8M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $145.9M |
| Components of Total Nontransaction Account Deposits of Individuals, Partnerships and Corporations: Deposits in All Other Other Savings Deposits Accounts of Individuals, Partnerships and Corporations | RCONP759 | $116.2M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $98.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $95.0M |
| Components of Total Transaction Account Deposits of Individuals, Partnerships, and Coporations: Total Deposits in Those Interest-bearing Transaction Account Deposit Products Intended Primarily for Individuals for Personal, Household, or Family Use | RCONP754 | $89.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $52.9M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $25.9M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $25.9M |
| Total Brokered Deposits | RCON2365 | $25.9M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $24.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $22.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $20.3M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $15.2M |
| Total Transaction Accounts - Deposits of U.S. Government | RCON2202 | $1K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $287.6M |
| Other Assets | RCON2168 | $245.1M |
| Net Deferred Tax Assets | RCON2148 | $71.0M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $61.6M |
| Accrued Interest Receivable | RCONB556 | $53.3M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $51.5M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $19.6M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $154.1M |
| Derivatives with a Negative Fair Value Held for Purposes Other Than Trading | RCONC012 | $72.1M |
| Other Expenses Accrued and Unpaid | RCON3646 | $30.7M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $5.5M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $5.4M |
Schedule RC-K: Quarterly Averages (17 items)
About Schedule RC-K · NBT Bank, N.A. quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $16.06B |
| Quarterly Average of Total Loans | RCON3360 | $11.67B |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $10.87B |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $4.67B |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $3.17B |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $2.16B |
| Mortgage-backed Securities | RCONB559 | $2.00B |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $1.48B |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $1.04B |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $532.0M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $448.5M |
| All Other Securities | RCONB560 | $407.5M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $315.9M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $244.8M |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $127.9M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $74.4M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $52.9M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (34 items)
About Schedule RC-L · NBT Bank, N.A. derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Notional Amounts by Regulatory Capital Treatment: All Other Positions: Sold Protection | RCONG403 | $37.7M |
| Notional Amounts by Regulatory Capital Treatment: All Other Positions: Purchased Protection That Is Not Recognized as a Guarantee for Regulatory Capital Purposes | RCONG405 | $96.3M |
| Notional Amount of Sold Credit Protection: Subinnvestment Grade - with Remaining Maturity of One Year or Less. | RCONG409 | $349K |
| Notional Amount of Sold Credit Protection: Subinvestment Grade - with Remaining Maturity of Over Five Years | RCONG411 | $20.8M |
| Notional Amount of Sold Credit Protection: Subinvestment Grade - with Remaining Maturity of Over One Year Through Five Years | RCONG410 | $16.5M |
| Notional Amount of Purchased Credit Protection: Subinnvestment Grade - with Remaining Maturity of One Year or Less. | RCONG415 | $4.0M |
| Notional Amount of Purchased Credit Protection: Subinvestment Grade - with Remaining Maturity of Over Five Years | RCONG417 | $33.9M |
| Notional Amount of Purchased Credit Protection: Subinvestment Grade - with Remaining Maturity of Over One Year Through Five Years | RCONG416 | $58.3M |
| Over the Counter Derivatives: Net Current Credit Exposure - Banks and Securities Firms | RCONG418 | $122.7M |
| Over the Counter Derivatives: Fair Value of Collateral: Cash U.S. Dollar - Banks and Securities Firms | RCONG423 | $48.5M |
| Over the Counter Derivatives: Fair Value of Collateral: Total Fair Value of Collateral (Sum of Items 16.B.(1) Through (7) - Banks and Securities Firms | RCONG458 | $48.5M |
| Total Gross Notional Amount of Interest Rate Derivative Contracts Held for Purposes Other Than Trading: Contracts Marked to Market | RCON8725 | $2.56B |
| Interest Rate Contracts - Notional Value of All Outstanding Interest Rate Swaps | RCON3450 | $2.56B |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $1.69B |
| Interest Rate Swaps Where the Bank Has Agreed to Pay a Fixed Rate | RCONA589 | $1.28B |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $723.8M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $657.4M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $436.6M |
| All Other Off-balance Sheet Liabilities | RCON3430 | $379.0M |
| Credit Derivatives: Notional Amounts-other Credit Derivatives-beneficiary | RCONC975 | $96.3M |
| Gross Positive Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8741 | $72.3M |
| Gross Negative Fair Value of Interest Rate Derivative Contracts Held for Purposes Other Than Trading That Are Marked to Market | RCON8745 | $72.0M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $48.1M |
| Credit Derivatives: Notional Amounts- Other Credit Derivatives-guarantor | RCONC974 | $37.7M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $33.6M |
| Other unused commitments: Loans to depository financial institutions | RCONPV10 | $25.0M |
| Performance Standby Letters of Credit | RCON3821 | $15.5M |
| Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate | RCON6550 | $11.0M |
| Other unused commitments: Loans to nondepository financial institutions | RCONPV11 | $8.4M |
| Other unused commitments: Loans to business credit intermediaries | RCONPV13 | $8.3M |
| Written OTC Interest Rate Option Contracts | RCON8709 | $710K |
| Other unused commitments: Other loans to nondepository financial institutions | RCONPV16 | $122K |
| Notional Amount of Credit Derivatives on Which the Reporting Bank Is the Beneficiary:gross Positive Fair Value | RCONC221 | $44K |
| Notional Amount of Credit Derivatives on Which the Reporting Bank Is the Guarantor:gross Negative Fair Value | RCONC220 | $16K |
Schedule RC-M: Memoranda (10 items)
About Schedule RC-M · NBT Bank, N.A. memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $197.1M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $197.1M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $52.9M |
| All other intangible assets | RCONJF76 | $47.8M |
| Secured Liabilites: Amount of 'Federal Funds Purchased' That Are Secured | RCONF064 | $40.0M |
| Cost of equity securities with readily determinable fair values not held for trading | RCONJA29 | $11.9M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF058 | $2.9M |
| Estimated Fair Value of Mortgage Servicing Assets | RCONA590 | $2.0M |
| Mortgage Servicing Assets | RCON3164 | $2.0M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 1 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (42 items)
About Schedule RC-N · NBT Bank, N.A. past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $72.5M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $62.9M |
| Additions to Nonaccrual Assets | RCONC410 | $34.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $26.3M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $16.8M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $14.3M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $12.6M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Nonaccrual | RCON3501 | $10.9M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $9.8M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $9.8M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $6.6M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Past Due 30 Through 89 Days and Still Accruing | RCON3499 | $6.1M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $5.7M |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $5.2M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $2.7M |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $2.4M |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $2.4M |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $2.0M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCONK038 | $1.5M |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 90 Days or More and Still Accruing | RCONK217 | $1.1M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $1.1M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCONK041 | $1.1M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $766K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 30 Through 89 Days and Still Accruing | RCON5398 | $699K |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Past Due 30 Through 89 Days and Still Accruing | RCONK036 | $691K |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $657K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 90 Days or More and Still Accruing | RCONK214 | $590K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $461K |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' Past Due 30 Through 89 Days and Still Accruing | RCONK039 | $359K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Secured by 1-4 Residential Properties (in Domestic Offices) - Nonaccrual | RCONF663 | $357K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $357K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $298K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC238 | $285K |
| All Other Loans - Nonaccrual | RCON5461 | $260K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Nonaccrual | RCON1583 | $259K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $175K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $172K |
| Nonaccrual Assets Sold During the Quarter | RCONC411 | $157K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-past Due 90 Days or More and Still Accruing | RCONC239 | $114K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Past Due 90 Days or More and Still Accruing | RCON5399 | $106K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $5K |
| Loans Secured by Real Estate to Non-u.s. Addressees (Domicile) - Nonaccrual | RCON1250 | $1K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (19 items)
About Schedule RC-O · NBT Bank, N.A. other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $16.06B |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $13.69B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $7.73B |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $5.86B |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $5.82B |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $1.48B |
| Nonbrokered Time Deposits of More Than $250,000 in Domestic Offices | RCONK678 | $310.7M |
| Total Unfunded Commitments to Fund Construction, Land Development, and Other Land Loans Secured by Real Estate | RCONK676 | $255.9M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $94.3M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Commercial and Industrial Loans | RCONN181 | $38.4M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Loans Secured by Multifamily Residential and Nonfarm Nonresidential Properties | RCONN178 | $23.5M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements) - Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCONN179 | $10.7M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $4.4M |
| Portion of Funded Loans and Securities Guaranteed or Insured by the U.S. Government (Including FDIC Loss-sharing Agreements): Construction, Land Development, and Other Land Loans Secured by Real Estate | RCONN177 | $394K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 603,659 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 6,661 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 6,537 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 13 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-P: 1-4 Family Residential Mortgage Banking Activities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Principal Amount of 1-4 Family Residential Mortgage Loans Sold During the Quarter | RCONFT04 | $819K |
| Retail originations during the quarter of 1-4 family residential mortgage loans for sale | RCONHT81 | $634K |
| Noninterest income for the quarter from the sale, securitization, and servicing of 1-4 family residential mortgage loans | RIADHT85 | $185K |
| Quarter End Amount of 1-4 Family Residential Mortgage Loans Held for Sale or Trading | RCONFT05 | $185K |
Schedule RC-Q: Assets and Liabilities Measured at Fair Value on a Recurring Basis (16 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG502 | $2.07B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes | RCONJA36 | $2.02B |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG505 | $1.96B |
| Available-for-sale Securities - Level 2 Fair Value Measurements | RCONG476 | $1.90B |
| Available-for-sale Securities - Level 1 Fair Value Measurements | RCONG475 | $113.5M |
| Total Assets Measured at Fair Value on a Recurring Basis - Level 1 Fair Value Measurements | RCONG504 | $113.5M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Level 2 Fair Value Measurements | RCONG569 | $72.1M |
| All Other Liabilities (Itemize and Describe Amounts Included in Schedule Rc-q, Item 13, That Are Greater Than $100,000 and Exceed 25% of Item 13): Nontrading Derivative Liabilities - Total Fair Value Reported on Schedule Rc | RCONG566 | $72.1M |
| All Other Liabilities - Level 2 Fair Value Measurements | RCONG808 | $72.1M |
| All Other Liabilities - Total Fair Value Reported on Balance Sheet | RCONG805 | $72.1M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Level 2 Fair Value Measurements | RCONG534 | $72.1M |
| Total Liabilities Measured at Fair Value on a Recurring Basis - Total Fair Value Reported on Schedule Rc | RCONG531 | $72.1M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Level 2 Fair Value Measurements | RCONG544 | $54.7M |
| All Other Assets (Itemize and Describe Amounts Included in Schedule Rc-q, Item 6, That Are Greater Than $100,000 and Exceed 25% of Item 6): Nontrading Derivative Assets - Total Fair Value Reported on Schedule Rc | RCONG541 | $54.7M |
| All Other Assets - Level 2 Fair Value Measurements | RCONG396 | $54.7M |
| All Other Assets - Total Fair Value Reported on Schedule Rc | RCONG391 | $54.7M |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · NBT Bank, N.A. regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $12.54B |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (26 items)
About Schedule RC-R, Part I · NBT Bank, N.A. regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $16.06B |
| Average Total Assets (Net of Deductions) | RCOAA224 | $15.60B |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $12.54B |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $1.86B |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $1.62B |
| Common Equity Tier 1 Capital | RCOAP859 | $1.48B |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $1.48B |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $1.48B |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $1.03B |
| Retained Earnings | RCOAKW00 | $906.7M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $457.5M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $409.7M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $137.2M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $137.2M |
| Tier 2 Capital Before Deductions | RCOAP870 | $137.2M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$79.0M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$78.5M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $47.8M |
| Less: Net Unrealized Gains (Losses) on Held-to-maturity Securities That Are Included in AOCI (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP848 | -$226K |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | -$223K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1289 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.118 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.118 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0949 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0489 |
Schedule RC-R, Part II: Risk-Weighted Assets (88 items)
About Schedule RC-R, Part II · NBT Bank, N.A. risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $12.54B |
| Total Risk-weighted Assets | RCONG641 | $12.54B |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $10.33B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $10.33B |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $9.55B |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $8.44B |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $8.44B |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $3.38B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $3.20B |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $3.06B |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $3.05B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $2.54B |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $2.49B |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $2.36B |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $2.02B |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $1.60B |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $1.55B |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over One Year Through Five Years | RCONS583 | $1.45B |
| Total All Other Assets | RCOND981 | $1.29B |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $826.5M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $826.5M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - Over Five Years | RCONS584 | $767.1M |
| Total Held-to-maturity Securities | RCOND961 | $755.1M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $752.0M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $701.9M |
| Held-to-maturity Securities - 20 Pct Risk Weight Category | RCOND963 | $686.7M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $539.9M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $507.8M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $499.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $497.4M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $469.5M |
| Unconditionally Cancellable Commitments | RCONS540 | $392.1M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $350.9M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $324.5M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $290.5M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | $232.9M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $208.1M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $187.0M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Interest Rate - One Year or Less | RCONS582 | $172.8M |
| Unused Commitments, Original Maturity Exceeding One Year - 50 Pct Risk Weight Category | RCONG628 | $142.9M |
| Repo-style Transactions - 20 Pct Risk Weight Category | RCONS520 | $120.8M |
| Repo-style Transactions - Credit Equivalent Amount | RCONS516 | $120.8M |
| Repo-style Transactions - Face, Notional, or Other Amount | RCONS515 | $120.8M |
| Notional Principal Amounts of Centrally Cleared Dervative Contracts, Interest Rate - Over Five Years | RCONS605 | $105.9M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$104.7M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $103.4M |
| Over-the-counter Derivatives - Credit Equivalent Amount | RCONS542 | $86.6M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $78.4M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Credit Non--investment Grade Reference Asset - Over One Year Through Five Years | RCONS592 | $74.8M |
| Held-to-maturity Securities - 0 Pct Risk Weight Category | RCOND962 | $68.6M |
| Notional Principal Amounts of Centrally Cleared Dervative Contracts, Interest Rate - Over One Year Through Five Years | RCONS604 | $68.0M |
| Over-the-counter Derivatives - 20 Pct Risk Weight Category | RCONS545 | $60.9M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Credit Non--investment Grade Reference Asset - Over Five Years | RCONS593 | $54.7M |
| Current Credit Exposure Across All Derivative Contracts Covered by the Regulatory Capital Rules | RCONG642 | $54.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $52.3M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $50.7M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $48.1M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $48.1M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $48.1M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $44.9M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $44.9M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $34.2M |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $30.9M |
| Over-the-counter Derivatives - 100 Pct Risk Weight Category | RCONS547 | $25.7M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $20.6M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $19.6M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $19.6M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $19.6M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $15.5M |
| Amount of allowances for credit losses on purchased credit-deteriorated assets - Loans and leases held for investment | RCONJJ30 | $8.8M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - Adjustments to Totals Reported in Column a | RCONS458 | $8.1M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $7.7M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $7.7M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $5.8M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $5.8M |
| Risk-weighted Assets by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS573 | $4.9M |
| Notional Principal Amounts of Over-the-counter Derivate Contracts, Credit Non--investment Grade Reference Asset - One Year or Less | RCONS591 | $4.4M |
| Centrally Cleared Derivatives - 4 Pct Risk Weight Category | RCONS552 | $2.1M |
| Centrally Cleared Derivatives - Credit Equivalent Amount | RCONS549 | $2.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 4 Pct Risk Weight Category | RCONS559 | $2.1M |
| All Other Assets - 250 Pct Risk Weight Category | RCONH293 | $2.0M |
| The total of all components in the 250% balance sheet asset category on Call Report Schedule RC-R is multiplied by 250% | RCONS504 | $2.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 250 Pct Risk Weight Category | RCONS562 | $2.0M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $1.9M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 150% | RCONS531 | $1.6M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - Adjustments to Totals Reported in Column a | RCONS440 | $716K |
| Held-to-maturity Securities - Adjustment to Totals Reported in Column a | RCONS399 | -$226K |
| Risk-weighted Assets by Risk-weighted Category - 4 Pct Risk Weight Category | RCONS570 | $85K |
Schedule RC-S: Servicing, Securitization, and Asset Sale Activities (2 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Outstanding Principal Balance of Loans Other Than 1-4 Family Residential Mortgage Loans That Are Serviced for Others | RCONA591 | $532.6M |
| Outstanding Principal Balance of Assets Serviced for Others (Memorandum Item 2.C Is to Be Completed If the Balance Is More Than $10 Million): 1-4 Family Residential Mortgages Serviced with No Recourse or Other Servicer-provided Credit Enhancements | RCONB805 | $417.5M |
Schedule RC-T: Fiduciary and Related Services (42 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $3.70B |
| Custody and Safekeeping Accounts - Non-managed Assets | RCONB898 | $3.19B |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $2.42B |
| Employee Benefit-defined Contribution - Non-managed Assets | RCONB873 | $2.08B |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $1.76B |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $1.25B |
| Other Retirement Accounts - Managed Assets | RCONB880 | $252.4M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCONJ259 | $252.4M |
| Employee Benefit-defined Benefit - Managed Assets | RCONB876 | $227.6M |
| Employee Benefit-defined Benefit - Non-managed Asssets | RCONB877 | $177.1M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCONJ255 | $170.3M |
| Personal Trust and Agency Accounts - Non-managed | RCONB869 | $86.8M |
| Other Retirement Accounts - Non-managed Assets | RCONB881 | $54.1M |
| Employee Benefit-defined Contribution - Managed Assets | RCONB872 | $43.9M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset | RCONJ260 | $27.8M |
| Fiduciary and Related Assets:investment Mgmt and Investment Advisory Agency Accounts -Non-managed Assets | RCONJ253 | $17.7M |
| Income from Fiduciary Activities | RIAD4070 | $14.1M |
| Personal Trust and Agency Accounts | RIADB904 | $5.8M |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $4.0M |
| Employee Benefit-defined Contribution | RIADB905 | $2.3M |
| Corporate Trust and Agency Accounts - Non-managed Assets | RCONB885 | $1.4M |
| Other Retirement Accounts | RIADB907 | $1.0M |
| Custody and Safekeeping Accounts | RIADB909 | $771K |
| Employee Benefit-defined Benefit | RIADB906 | $127K |
| Other Fiduciary and Related Services Income | RIADB910 | $102K |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 2,963 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 1,223 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 990 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCONJ261 | 610 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 610 |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 392 |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCONB899 | 341 |
| Employee Benefit-defined Contribution - Number of Non-managed Accounts | RCONB875 | 216 |
| Other Retirement Accounts - Number of Non-managed Accounts | RCONB883 | 110 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCONJ257 | 75 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts | RCONJ262 | 65 |
| Employee Benefit-defined Contribution - Number of Managed Accounts | RCONB874 | 58 |
| Corporate Trust and Agency Accounts - Number of Non-managed Accounts | RCONC002 | 53 |
| Fiduciary and Related Assets:investment Management and Investment Advisory Agency Accounts - Number of Non-managed Accounts | RCONJ254 | 8 |
| Employee Benefit-defined Benefit - Number of Managed Accounts | RCONB878 | 7 |
| Personal Trust and Agency Accounts - Number of Non-managed Accounts | RCONB871 | 3 |
| Employee Benefit-defined Benefit - Number of Non-managed Accounts | RCONB879 | 2 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $1.86B |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $1.85B |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $1.85B |
| Cash Dividends Declared on Common Stock | RIAD4460 | $80.0M |
| Other Comprehensive Income | RIADB511 | -$6.6M |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (23 items)
About Schedule RI-B, Part I · NBT Bank, N.A. charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $12.9M |
| Charge-offs All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK205 | $6.3M |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $3.6M |
| Charge-offs on Automobile Loans | RIADK129 | $2.5M |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $2.0M |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $1.8M |
| Recoveries on Automobile Loans | RIADK133 | $1.3M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Charge-offs | RIADC895 | $944K |
| Loans Secured by Other Nonfarm Nonresidential Properties: Charge-offs | RIADC897 | $806K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $190K |
| Charge-offs on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5411 | $170K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $168K |
| Charge-offs on Loans Secured by Multifamily (5 or More) Residential Properties | RIAD3588 | $116K |
| Recoveries on All Other Loans | RIAD4628 | $68K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC218 | $61K |
| Recoveries on Loans to Finance Agricultural Production and Other Loans to Farmers | RIAD4665 | $51K |
| Recoveries on Loans Secured by Farmland | RIAD3585 | $45K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $35K |
| Recoveries on Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RIAD5412 | $35K |
| Charge-offs on All Other Loans | RIAD4644 | $21K |
| Charge-offs on Loans to Finance Agricultural Production and Other Loans to Farmers | RIAD4655 | $21K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Recoveries | RIADC896 | $19K |
| Recoveries on Loans Secured by Multifamily (5 or More) Residential Properties | RIAD3589 | $4K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (5 items)
About Schedule RI-B, Part II · NBT Bank, N.A. changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $140.5M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $138.0M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $12.9M |
| Estimated amount of expected recoveries of amounts previously written off included within the allowance for credit losses on loans and leases held for investment (included in item 7, column A, 'Balance end of current period,' above) | RIADMG94 | $2.8M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$300K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $11.87B |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $4.28B |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $3.19B |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $2.20B |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $1.73B |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $475.9M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $140.5M |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $43.8M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $43.1M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $31.7M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $16.6M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $5.3M |
Schedule RI-E: Explanations (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Data Processing Expenses | RIADC017 | $11.8M |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $8.0M |
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $5.1M |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $5.0M |
| Third Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4463 | $4.4M |
| Income and Fees from Automated Teller Machines (Atms) | RIADC016 | $2.3M |
NBT Bank, N.A. call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the NBT Bank, N.A. call report?
The NBT Bank, N.A. call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does NBT Bank, N.A. file?
NBT Bank, N.A. files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the NBT Bank, N.A. call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: NBT Bank, N.A. has Federal Reserve RSSD ID 702117 and FDIC certificate number 7230. Either one finds its filings on the FFIEC Central Data Repository.
How often does NBT Bank, N.A. file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
NBT Bank, N.A. financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 7230) · FFIEC NIC profile (RSSD 702117)