Basis: Trailing twelve months (TTM), to the latest fiscal quarter end. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the return on equity (ROE) high or low?
The return on equity (ROE) of 11.02% is in line with its 5-year average of 10.40%, around the middle of its 5-year range (7.39%–13.24%).
As of the fiscal period ended Tuesday, June 30, 2026. 22.40% above its 12-month average of 9.00%.
Trailing-twelve-month return on equity at each fiscal quarter end; no daily interpolation. Q2 FY2026 (2026-06-30): 11.02%.
RETURN ON EQUITY (ROE)
11.02%
RETURN ON EQUITY (ROE) AVG TTM
9.00%
RETURN ON EQUITY (ROE) AVG 3Y
8.66%
RETURN ON EQUITY (ROE) AVG 5Y
10.40%
RETURN ON EQUITY (ROE) AVG 10Y
9.98%
RETURN ON EQUITY (ROE) AVG 15Y
9.61%
RETURN ON EQUITY (ROE) AVG 20Y
10.28%
CURRENT VS TTM AVG
+22.40%
CURRENT VS 3Y AVG
+27.19%
CURRENT VS 5Y AVG
+5.91%
CURRENT VS 10Y AVG
+10.38%
CURRENT VS 15Y AVG
+14.63%
CURRENT VS 20Y AVG
+7.18%
SECTOR MEDIAN · FINANCIAL SERVICES
8.93%
median of 585 covered companies
CURRENT VS SECTOR MEDIAN
+23.37%
vs the sector median at left
NBT Bancorp Inc.
Market Cap
$2.63B
Return on Equity (ROE)
11.02%
TTM Avg
9.00%
3Y Avg
8.66%
5Y Avg
10.40%
Market Cap
$2.58B
Return on Equity (ROE)
-9.19%
TTM Avg
-4.92%
3Y Avg
-8.20%
5Y Avg
-7.02%
Market Cap
$2.54B
Return on Equity (ROE)
11.22%
TTM Avg
11.93%
3Y Avg
13.84%
5Y Avg
16.21%
Market Cap
$2.51B
Return on Equity (ROE)
6.89%
TTM Avg
8.95%
3Y Avg
9.69%
5Y Avg
9.57%
Market Cap
$2.49B
Return on Equity (ROE)
9.69%
TTM Avg
6.85%
3Y Avg
8.64%
5Y Avg
8.63%
Market Cap
$2.49B
Return on Equity (ROE)
7.76%
TTM Avg
5.99%
3Y Avg
8.45%
5Y Avg
8.45%
Market Cap
$2.49B
Return on Equity (ROE)
4.86%
TTM Avg
1.69%
3Y Avg
3.76%
5Y Avg
4.88%
Market Cap
$2.79B
Return on Equity (ROE)
6.89%
TTM Avg
8.95%
3Y Avg
9.69%
5Y Avg
9.57%
Market Cap
$2.44B
Return on Equity (ROE)
-56.75%
TTM Avg
-27.14%
3Y Avg
-13.95%
5Y Avg
1.02%
| NAME | MARKET CAP | RETURN ON EQUITY (ROE) | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| NBT Bancorp Inc. (NBTB) | $2.63B | 11.02% | 9.00% | 8.66% | 10.40% |
| The Baldwin Insurance Group, Inc. (BWIN)vs › | $2.58B | -9.19% | -4.92% | -8.20% | -7.02% |
| Merchants Bancorp (MBINM)vs › | $2.54B | 11.22% | 11.93% | 13.84% | 16.21% |
| First Merchants Corporation (FRME)vs › | $2.51B | 6.89% | 8.95% | 9.69% | 9.57% |
| First Busey Corporation (BUSE)vs › | $2.49B | 9.69% | 6.85% | 8.64% | 8.63% |
| First Bancorp (FBNC)vs › | $2.49B | 7.76% | 5.99% | 8.45% | 8.45% |
| Columbia Financial, Inc. (CLBK)vs › | $2.49B | 4.86% | 1.69% | 3.76% | 4.88% |
| First Merchants Corporation (FRMEP)vs › | $2.79B | 6.89% | 8.95% | 9.69% | 9.57% |
| Oxford Lane Capital Corp. (OXLCM)vs › | $2.44B | -56.75% | -27.14% | -13.95% | 1.02% |
| Slide Insurance Holdings, Inc. Common Stock (SLDE)vs › | $2.85B | 46.51% | 43.16% | 34.89% | 34.89% |
ROE
11.0%
ROA
1.3%
ROE = Net Income / Total Shareholders' Equity
Return on equity measures how efficiently a company generates profit from shareholders' equity. Higher ROE indicates better capital efficiency.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | RETURN ON EQUITY (ROE) |
|---|---|
| 2026-06-30 | 11.02% |
| 2026-03-31 | 9.59% |
| 2025-12-31 | 8.92% |
| 2025-09-30 | 8.08% |
| 2025-06-30 | 7.39% |
| 2025-03-31 | 9.17% |
| 2024-12-31 | 9.22% |
| 2024-09-30 | 8.88% |
| 2024-06-30 | 8.32% |
| 2024-03-31 | 8.25% |
| 2023-12-31 | 8.33% |
| 2023-09-30 | 9.13% |
| 2023-06-30 | 11.47% |
| 2023-03-31 | 12.09% |
| 2022-12-31 | 12.95% |
| 2022-09-30 | 13.24% |
| 2022-06-30 | 12.76% |
| 2022-03-31 | 12.82% |
| 2021-12-31 | 12.39% |
| 2021-09-30 | 12.23% |
| 2021-06-30 | 12.20% |
| 2021-03-31 | 11.24% |
| 2020-12-31 | 8.79% |
| 2020-09-30 | 8.50% |
| 2020-06-30 | 8.44% |
| 2020-03-31 | 9.19% |
| 2019-12-31 | 10.80% |
| 2019-09-30 | 10.99% |
| 2019-06-30 | 10.99% |
| 2019-03-31 | 11.19% |
| 2018-12-31 | 11.06% |
| 2018-09-30 | 10.21% |
| 2018-06-30 | 9.67% |
| 2018-03-31 | 9.21% |
| 2017-12-31 | 8.57% |
| 2017-09-30 | 8.81% |
| 2017-06-30 | 8.64% |
| 2017-03-31 | 8.61% |
| 2016-12-31 | 8.59% |
| 2016-09-30 | 8.57% |
| 2016-06-30 | 8.68% |
| 2016-03-31 | 8.75% |
| 2015-12-31 | 8.66% |
| 2015-09-30 | 8.65% |
| 2015-06-30 | 7.63% |
| 2015-03-31 | 8.57% |
| 2014-12-31 | 8.69% |
| 2014-09-30 | 8.69% |
| 2014-06-30 | 9.66% |
| 2014-03-31 | 8.66% |
| 2013-12-31 | 7.56% |
| 2013-09-30 | 7.16% |
| 2013-06-30 | 6.60% |
| 2013-03-31 | 6.04% |
| 2012-12-31 | 9.37% |
| 2012-09-30 | 9.57% |
| 2012-06-30 | 9.86% |
| 2012-03-31 | 10.43% |
| 2011-12-31 | 10.76% |
| 2011-09-30 | 10.88% |
| 2011-06-30 | 10.83% |
| 2011-03-31 | 10.71% |
| 2010-12-31 | 10.76% |
| 2010-09-30 | 10.63% |
| 2010-06-30 | 10.58% |
| 2010-03-31 | 10.27% |
| 2009-12-31 | 10.30% |
| 2009-09-30 | 10.67% |
| 2009-06-30 | 11.33% |
| 2009-03-31 | 13.04% |
| 2008-12-31 | 13.51% |
| 2008-09-30 | 12.45% |
| 2008-06-30 | 13.00% |
| 2008-03-31 | 12.30% |
| 2007-12-31 | 12.67% |
| 2007-09-30 | 14.26% |
| 2007-06-30 | 13.91% |
| 2007-03-31 | 13.86% |
| 2006-12-31 | 13.85% |
| 2006-09-30 | 13.84% |
| 2006-06-30 | 14.37% |
| 2005-03-31 | 15.81% |
| 2004-12-31 | 15.06% |
| 2004-09-30 | 15.19% |
| 2004-06-30 | 15.82% |
| 2004-03-31 | 14.87% |
| 2003-12-31 | 15.19% |
| 2003-09-30 | 15.66% |
| 2003-06-30 | 15.88% |
