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
$18.8M / $144.6M
FY2019-FY2023
Trend
+560.7%
vs FY2022
Sector context
#148 of 214
Financials
What the data says
Interest Expense changed +561% YoY in FY2023, a notable deviation from the 7-year average annual change of +86%.
Based on SEC 10-K filings.
$145M in FY2023 with a 5-year CAGR of +30.2%.
Increased from $19M to $145M over the past 2 years.
Financials sector context is included.
Interest Expense over time
Growth rates
- 3-Year CAGR
- +64.3%
- 5-Year CAGR
- +30.2%
- 10-Year CAGR
- -
Sector benchmark
#67 of 214 in FinancialsTop 31% of 214This company $144.6M Sector average $939.3M
▼
-84.6% below sector average
Key checks
Key Insights
- 5-year CAGR of +30.2%, indicating consistent growth.
- In FY2023, interest expense increased 560.7% year-over-year.
- Ranks #148 out of 214 companies in the Financials sector.
- Lowest interest expense in the period was in FY2021.
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 | +560.7% |
| FY2022 | $21.9M | +16.5% |
| FY2021 | $18.8M | -42.4% |
| FY2020 | $32.6M | -41.8% |
| FY2019 | $56.0M | +44.9% |
| FY2018 | $38.6M | +49.1% |
| FY2017 | $25.9M | +15.1% |
| FY2016 | $22.5M | +9.2% |
As of FY2023 · SEC 10-K · Updated Feb 28, 2026