Company / Interest Expense
NBT Bancorp, Inc. Interest Expense History
FY2016-FY2023 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Interest Expense
$144.6M
FY2023
5-year range
$32.6M / $144.6M
FY2019-FY2023
Trend
+343.4%
vs FY2022
Sector context
#150 of 218
Financials
What the data says
Interest Expense changed +343% YoY in FY2023, a notable deviation from the 7-year average annual change of +61%.
Based on SEC 10-K filings.
$145M in FY2023 with a 5-year CAGR of +30.2%.
Increased from $56M to $145M over the past 2 years.
Financials sector context is included.
Interest Expense over time
Growth rates
- 3-Year CAGR
- +55.3%
- 5-Year CAGR
- +30.2%
- 10-Year CAGR
- -
Sector benchmark
#69 of 218 in FinancialsTop 31% of 218This company $144.6M Sector average $946.4M
▼
-84.7% below sector average
Key checks
Key Insights
- 5-year CAGR of +30.2%, indicating consistent growth.
- In FY2023, interest expense increased 343.4% year-over-year.
- Ranks #150 out of 218 companies in the Financials sector.
- Lowest interest expense in the period was in FY2016.
Company context
Key Data Points
- Altman Z-Score 0.13 (distress zone, below 1.8 threshold)
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | Interest ExpenseValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | - | - |
| FY2024 | - | - |
| FY2023 | $144.6M | +343.4% |
| FY2022 | $32.6M | -41.8% |
| FY2021 | $56.0M | +44.9% |
| FY2020 | $38.6M | +49.1% |
| FY2019 | $25.9M | -32.9% |
| FY2018 | $38.6M | +49.1% |
| FY2017 | $25.9M | +15.1% |
| FY2016 | $22.5M | +9.2% |
As of FY2023 · SEC 10-K · Updated Jun 30, 2026