Company / Return on Assets (ROA)
NBT Bancorp, Inc. Return on Assets (ROA) History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Return on Assets (ROA)
1.1%
FY2025
5-year range
0.9% / 1.3%
FY2021-FY2025
Trend
+3.9%
vs FY2024
Sector context
#253 of 400
Financials
What the data says
At 1.1%, NBT Bancorp, Inc.'s return on assets (roa) ranks #253 of 400 in the Financials sector. Return on Assets (ROA) has fluctuated over the past 10 years, ranging from 0.9% in FY2016 to 1.3% in FY2022.
Based on SEC 10-K filings.
1.1% in FY2025 with a 5-year CAGR of +0.1%.
Improved from 0.9% to 1.1% over the past 2 years.
Financials sector context is included.
Return on Assets (ROA) over time
Growth rates
- 3-Year Change
- -0.2pp
- 5-Year Change
- +0.1pp
- 10-Year Change
- -
Sector benchmark
#253 of 400 in FinancialsTop 63% of 400This company 1.1% Sector average 2.1%
▼
-49.6% below sector average
Key checks
Key Insights
- In FY2025, return on assets (roa) increased 3.9% year-over-year.
- Currently 1.0pp below the Financials sector average.
- Peak return on assets (roa) was recorded in FY2022.
- Lowest return on assets (roa) 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 | Return on Assets (ROA)Value | YoY GrowthYoY |
|---|---|---|
| FY2025 | 1.1% | +3.9% |
| FY2024 | 1.0% | +14.6% |
| FY2023 | 0.9% | -31.0% |
| FY2022 | 1.3% | +0.0% |
| FY2021 | 1.3% | +35.8% |
| FY2020 | 0.9% | -24.0% |
| FY2019 | 1.3% | +5.9% |
| FY2018 | 1.2% | +31.1% |
| FY2017 | 0.9% | +2.3% |
| FY2016 | 0.9% | -4.3% |
As of FY2025 · SEC 10-K · Updated Feb 28, 2026