NBT Bank, N.A.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Other borrowed money climbed 364.0% in Q2 2026, from $43.1M to $200.0M. It was the largest change from Q1 2026 among the key lines here. Within New York, NBT Bank, N.A. is 49th of 105 on loan-to-deposit ratio, 86.81% as of Q2 2026, above the middle of the field. At 86.81%, NBT Bank, N.A.'s loan-to-deposit ratio is close to the 86.83% median for banks in the $10B-100B asset tier (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $290.5M |
| Cash and noninterest-bearing balances to assets | 1.81% |
| Cash and securities | $3.06B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $159.4M |
| Other borrowed money | $200.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.24% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.81% |
| Net loans and leases to deposits | 85.78% |
| Loans and leases to core deposits | 88.83% |
| Core deposits to total deposits | 97.54% |
| Brokered deposits to total deposits | 0.19% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 83.57% | 94.91% | $90.2M | $429.8M |
| Q4 2023 | 86.60% | 95.62% | $93.7M | $322.8M |
| Q1 2024 | 85.13% | 96.31% | $164.1M | $132.8M |
| Q2 2024 | 85.93% | 95.90% | $110.7M | $143.7M |
| Q3 2024 | 84.00% | 95.67% | $105.0M | $129.7M |
| Q4 2024 | 84.80% | 95.30% | $146.9M | $45.6M |
| Q1 2025 | 83.71% | 95.29% | $85.6M | $4.6M |
| Q2 2025 | 84.54% | 96.08% | $113.0M | $44.8M |
| Q3 2025 | 84.11% | 96.31% | $138.7M | $44.8M |
| Q4 2025 | 85.09% | 96.79% | $148.1M | $43.2M |
| Q1 2026 | 83.13% | 97.41% | $117.8M | $43.1M |
| Q2 2026 | 86.81% | 97.54% | $159.4M | $200.0M |
NBT Bank, N.A. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock NBT Bank, N.A., freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full NBT Bank, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 7230) · FFIEC NIC profile (RSSD 702117)