NBT BANCORP INC's income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Dec 31, 2025 · FY), NBT BANCORP INC reported net income of $169.2M (+20.3% year on year).
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Interest and fees on loans | $632.3M | $552.8M | $462.7M | $332.8M |
| Securities available for sale | $47.0M | $31.3M | $29.8M | $29.7M |
| Securities held to maturity | $18.8M | $20.5M | $20.7M | $17.6M |
| Other | $12.9M | $7.1M | $9.6M | $4.1M |
| Total interest, fee and dividend income | $711.0M | $611.7M | $522.8M | $384.1M |
| Deposits | $192.3M | $186.9M | $104.6M | $9.9M |
| Short-term borrowings | $3.6M | $8.7M | $25.6M | $2.6M |
| Long-term debt | $1.5M | $1.2M | $925.0K | $161.0K |
| Subordinated debt | $4.9M | $7.2M | $6.1M | $5.4M |
| Junior subordinated debt | $7.1M | $7.5M | $7.3M | $3.7M |
| Total interest expense | $209.4M | $211.5M | $144.6M | $21.9M |
| Net interest income | $501.5M | $400.1M | $378.2M | $362.2M |
| Provision for loan losses | $32.3M | $19.6M | $25.3M | $17.1M |
| Net interest income after provision for loan losses | $469.3M | $380.5M | $352.9M | $345.0M |
| Service charges on deposit accounts | $19.1M | $17.1M | $15.4M | $14.6M |
| Card services income | $24.0M | $22.3M | $20.8M | $29.1M |
| Retirement plan administration fees | $61.6M | $56.6M | $47.2M | $48.1M |
| Wealth management | $44.8M | $41.6M | $34.8M | $33.3M |
| Insurance services | $18.0M | $17.0M | $15.7M | $14.7M |
| Bank owned life insurance income | $12.4M | $8.3M | $6.8M | $6.0M |
| Net securities gains (losses) | $148.0K | $2.8M | ($9.3M) | ($1.1M) |
| Other | $15.5M | $11.0M | $10.8M | $10.9M |
| Total noninterest income | $195.5M | $176.8M | $142.2M | $155.6M |
| Salaries and employee benefits | $257.5M | $232.5M | $194.3M | $187.8M |
| Technology and data services | $44.0M | $39.1M | $38.2M | $35.7M |
| Occupancy | $36.4M | $31.3M | $28.4M | $26.3M |
| Professional fees and outside services | $21.7M | $19.1M | $17.6M | $16.8M |
| Office supplies and postage | $8.1M | $7.5M | $6.9M | $6.1M |
| FDIC assessment | $7.9M | $6.8M | $6.3M | $3.2M |
| Marketing | $4.0M | — | — | — |
| Amortization of intangible assets | $11.9M | $8.4M | $4.7M | $2.3M |
| Loan collection and other real estate owned, net | $2.6M | $2.5M | $2.6M | $2.6M |
| Acquisition expenses | $19.5M | $1.5M | $10.0M | — |
| Other | $31.6M | $25.7M | $29.7M | $19.8M |
| Total noninterest expense | $445.3M | $377.9M | $341.7M | $304.5M |
| Income before income tax expense | $219.4M | $179.5M | $153.5M | $196.2M |
| Income tax expense | $50.2M | $38.8M | $34.7M | $44.2M |
| Net income | $169.2M | $140.6M | $118.8M | $152.0M |
| Basic (in dollars per share) | $3.34 | $2.98 | $2.67 | $3.54 |
| Diluted (in dollars per share) | $3.33 | $2.97 | $2.65 | $3.52 |
| Line item | Jun 30, 2026 · Q2 | Mar 31, 2026 · Q1 | Sep 30, 2025 · Q3 | Jun 30, 2025 · Q2 |
|---|---|---|---|---|
| Interest and fees on loans | $163.8M | $161.1M | $169.3M | $158.9M |
| Securities available for sale | $14.8M | $13.5M | $12.1M | $11.6M |
| Securities held to maturity | $4.4M | $4.3M | $4.6M | $4.9M |
| Other | $2.8M | $3.7M | $4.5M | $2.2M |
| Total interest, fee and dividend income | $185.8M | $182.6M | $190.5M | $177.6M |
| Deposits | $44.9M | $44.8M | $52.1M | $48.2M |
| Short-term borrowings | $1.2M | $822.0K | $816.0K | $1.0M |
| Long-term debt | $445.0K | $441.0K | $450.0K | $296.0K |
| Subordinated debt | $611.0K | $510.0K | $547.0K | $2.0M |
| Junior subordinated debt | $1.7M | $1.7M | $1.9M | $1.8M |
| Total interest expense | $48.8M | $48.3M | $55.8M | $53.4M |
| Net interest income | $137.0M | $134.3M | $134.7M | $124.2M |
| Provision for loan losses | $6.1M | $5.6M | $3.1M | $17.8M |
| Net interest income after provision for loan losses | $130.8M | $128.8M | $131.6M | $106.4M |
| Service charges on deposit accounts | $5.2M | $5.3M | $5.1M | $4.6M |
| Card services income | $6.6M | $6.0M | $6.4M | $6.1M |
| Retirement plan administration fees | $16.9M | $16.6M | $15.9M | $15.7M |
| Wealth management | $10.9M | $11.1M | $11.1M | $10.7M |
| Insurance services | $4.2M | $4.5M | $5.3M | $4.1M |
| Bank owned life insurance income | $2.5M | $2.7M | $3.2M | $2.2M |
| Net securities gains | $175.0K | $442.0K | ($2.0K) | $112.0K |
| Other | $3.2M | $3.6M | $4.4M | $3.5M |
| Total noninterest income | $49.7M | $50.1M | $51.4M | $46.9M |
| Salaries and employee benefits | $69.0M | $68.8M | $66.6M | $64.2M |
| Technology and data services | $11.8M | $11.5M | $11.2M | $10.8M |
| Occupancy | $9.5M | $11.0M | $9.1M | $9.0M |
| Professional fees and outside services | $5.7M | $5.6M | $5.9M | $5.0M |
| Office supplies and postage | $2.1M | $2.2M | $2.1M | $1.9M |
| FDIC assessment | $2.0M | $2.0M | $2.3M | $1.8M |
| Marketing | $937.0K | $918.0K | — | — |
| Amortization of intangible assets | $3.2M | $3.3M | $3.4M | $3.0M |
| Loan collection and other real estate owned, net | $544.0K | $610.0K | $719.0K | $489.0K |
| Acquisition expenses | $0 | $0 | $1.1M | $17.2M |
| Other | $6.7M | $6.3M | $7.9M | $8.2M |
| Total noninterest expense | $111.4M | $112.2M | $111.1M | $122.6M |
| Income before income tax expense | $69.1M | $66.7M | $71.8M | $30.7M |
| Income tax expense | $16.1M | $15.5M | $17.4M | $8.2M |
| Net income | $53.0M | $51.1M | $54.5M | $22.5M |
| Basic (in Dollars per share) | $1.02 | $0.98 | $1.04 | $0.45 |
| Diluted (in Dollars per share) | $1.02 | $0.98 | $1.03 | $0.44 |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Cash and due from banks | $185.2M | $205.1M | $173.8M | $166.5M |
| Short-term interest-bearing accounts | $302.0M | $79.0M | $31.4M | $30.9M |
| Equity securities, at fair value | $48.8M | $42.4M | $37.6M | $30.8M |
| Securities available for sale, at fair value | $1.9B | $1.6B | $1.4B | $1.5B |
| Securities held to maturity (fair value $702,577 and $749,945, respectively) | $762.8M | $842.9M | $905.3M | $919.5M |
| Federal Reserve and Federal Home Loan Bank stock | $44.6M | $34.0M | $45.9M | $44.7M |
| Loans held for sale | $1.1M | $9.7M | $3.4M | $562.0K |
| Loans | $11.6B | $10.0B | $9.7B | $8.2B |
| Less allowance for loan losses | $138.0M | $116.0M | $114.4M | $100.8M |
| Net loans | $11.5B | $9.9B | $9.5B | $8.0B |
| Premises and equipment, net | $99.3M | $80.8M | $80.7M | $69.0M |
| Goodwill | $453.3M | $362.7M | $361.9M | $281.2M |
| Intangible assets, net | $57.7M | $36.4M | $40.4M | $7.3M |
| Bank owned life insurance | $317.7M | $272.7M | $265.7M | $232.4M |
| Other assets | $399.9M | $392.5M | $395.9M | $379.8M |
| Total assets | $16.0B | $13.8B | $13.3B | $11.7B |
| Demand (noninterest bearing) | $3.8B | $3.4B | $3.4B | $3.6B |
| Savings, interest-bearing checking and money market | $8.2B | — | — | — |
| Time | $1.5B | $1.4B | $1.3B | $433.8M |
| Total deposits | $13.5B | $11.5B | $11.0B | $9.5B |
| Short-term borrowings | $148.1M | $162.9M | $386.7M | $585.0M |
| Long-term debt | $43.2M | $29.6M | $29.8M | $4.8M |
| Subordinated debt, net | $24.5M | $121.2M | $119.7M | $96.9M |
| Junior subordinated debt | $111.7M | $101.2M | $101.2M | $101.2M |
| Other liabilities | $272.3M | $298.8M | $277.0M | $281.9M |
| Total liabilities | $14.1B | $12.3B | $11.9B | $10.6B |
| Preferred stock, $0.01 par value, 2,500,000 shares authorized | 0 | 0 | 0 | 0 |
| Common stock, $0.01 par value, 100,000,000 shares authorized; 59,083,155 and 53,974,492 shares issued, respectively | 591.0K | 540.0K | 540.0K | 497.0K |
| Additional paid-in-capital | $964.8M | $742.8M | $740.9M | $577.9M |
| Retained earnings | $1.2B | $1.1B | $1.0B | $958.4M |
| Accumulated other comprehensive loss | ($82.6M) | ($142.1M) | ($160.9M) | ($190.0M) |
| Common stock in treasury, at cost, 6,880,200 and 6,779,975 shares, respectively | -183.4M | -175.3M | -176.7M | -173.2M |
| Total stockholders' equity | $1.9B | $1.5B | $1.4B | $1.2B |
| Total liabilities and stockholders' equity | $16.0B | $13.8B | $13.3B | $11.7B |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Sep 30, 2025 | Jun 30, 2025 |
|---|---|---|---|---|
| Cash and due from banks | $187.2M | $151.6M | $245.8M | $264.8M |
| Short-term interest-bearing accounts | $107.5M | $564.5M | $394.5M | $276.8M |
| Equity securities, at fair value | $50.7M | $47.2M | $49.6M | $46.7M |
| Securities available for sale, at fair value | $2.0B | $1.9B | $1.8B | $1.7B |
| Securities held to maturity (fair value $692,689 and $702,577, respectively) | $755.1M | $748.6M | $771.5M | $809.7M |
| Federal Reserve and Federal Home Loan Bank stock | $51.5M | $44.7M | $44.6M | $40.8M |
| Loans held for sale | $0 | $185.0K | $3.9M | $3.8M |
| Loans | $11.9B | $11.5B | $11.6B | $11.6B |
| Less allowance for loan losses | $140.5M | $138.6M | $139.0M | $140.2M |
| Net loans | $11.7B | $11.4B | $11.5B | $11.5B |
| Premises and equipment, net | $98.1M | $100.3M | $98.7M | $95.8M |
| Goodwill | $453.3M | $453.3M | $454.1M | $454.1M |
| Intangible assets, net | $51.1M | $54.3M | $61.0M | $64.4M |
| Bank owned life insurance | $314.8M | $319.4M | $317.7M | $318.0M |
| Other assets | $405.8M | $393.3M | $401.9M | $426.1M |
| Total assets | $16.2B | $16.2B | $16.1B | $16.0B |
| Demand (noninterest bearing) | $3.9B | $3.8B | $3.9B | $3.9B |
| Savings, interest-bearing checking and money market | $8.3B | $8.5B | $8.2B | $8.0B |
| Time | $1.3B | $1.4B | $1.6B | $1.7B |
| Total deposits | $13.5B | $13.7B | $13.7B | $13.5B |
| Short-term borrowings | $316.4M | $117.8M | $138.7M | $113.0M |
| Long-term debt | $43.0M | $43.1M | $44.8M | $44.8M |
| Subordinated debt, net | $0 | $24.8M | $24.2M | $141.9M |
| Junior subordinated debt | $111.7M | $111.7M | $111.6M | $111.6M |
| Other liabilities | $262.5M | $249.6M | $279.2M | $283.0M |
| Total liabilities | $14.3B | $14.3B | $14.3B | $14.2B |
| Preferred stock, $0.01 par value, 2,500,000 shares authorized | 0 | 0 | 0 | 0 |
| Common stock, $0.01 par value, 100,000,000 shares authorized; 59,083,155 shares issued | 591.0K | 591.0K | 591.0K | 591.0K |
| Additional paid-in-capital | $966.1M | $965.9M | $964.1M | $962.9M |
| Retained earnings | $1.3B | $1.2B | $1.2B | $1.1B |
| Accumulated other comprehensive loss | ($89.1M) | ($87.3M) | ($98.9M) | ($109.5M) |
| Common stock in treasury, at cost, 7,128,171 and 6,880,200 shares, respectively | -196.2M | -193.5M | -173.3M | -174.4M |
| Total stockholders’ equity | $1.9B | $1.9B | $1.9B | $1.8B |
| Total liabilities and stockholders’ equity | $16.2B | $16.2B | $16.1B | $16.0B |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Net income | $169.2M | $140.6M | $118.8M | $152.0M |
| Provision for loan losses | $32.3M | $19.6M | $25.3M | $17.1M |
| Depreciation and amortization of premises and equipment | $13.0M | $11.5M | $10.7M | $10.2M |
| Net amortization on securities | $1.5M | $2.5M | $2.7M | $3.5M |
| Amortization of intangible assets | $11.9M | $8.4M | $4.7M | $2.3M |
| Amortization of operating lease right-of-use assets | $8.6M | $7.5M | $6.8M | $6.6M |
| Excess tax benefit on stock-based compensation | ($674.0K) | ($295.0K) | ($296.0K) | ($288.0K) |
| Stock-based compensation expense | $5.3M | $6.0M | $5.1M | $4.5M |
| Bank owned life insurance income | ($12.4M) | ($8.3M) | ($6.8M) | ($6.0M) |
| Amortization of subordinated debt issuance costs | $199.0K | $437.0K | $437.0K | $437.0K |
| Proceeds from sale of loans held for sale | $219.2M | $154.0M | $54.0M | $5.7M |
| Originations of loans held for sale | ($211.1M) | ($159.9M) | ($56.0M) | ($5.5M) |
| Net gain on sale of loans held for sale | ($637.0K) | ($202.0K) | ($156.0K) | ($122.0K) |
| Net security (gains) losses | ($148.0K) | ($2.8M) | $9.3M | $1.1M |
| Net gains on sale of other real estate owned | ($64.0K) | ($1.0K) | ($69.0K) | ($259.0K) |
| Impairment of a minority interest equity investment | $0 | $0 | $4.8M | — |
| Net deferred income tax expense (benefit) | $23.6M | $8.7M | $6.0M | — |
| Net change in other assets and other liabilities | ($24.6M) | $748.0K | ($27.9M) | ($7.9M) |
| Net cash provided by operating activities | $235.2M | $188.6M | $157.5M | $183.2M |
| Net cash provided by (used in) acquisitions | $37.9M | ($1.4M) | $44.6M | ($2.6M) |
| Proceeds from maturities, calls and principal paydowns | $256.5M | $167.9M | $116.5M | $213.7M |
| Proceeds from sales | $254.5M | $2.3M | $124.6M | $0 |
| Purchases | ($474.9M) | ($292.9M) | $0 | ($264.6M) |
| Proceeds from maturities, calls and principal paydowns | $174.2M | $144.3M | $101.0M | $177.6M |
| Purchases | ($91.7M) | ($83.3M) | ($88.0M) | ($365.0M) |
| Proceeds from sales | $491.0K | — | — | — |
| Purchases | $0 | ($18.0K) | ($11.0K) | ($1.0M) |
| Net decrease (increase) in loans | $17.1M | ($337.7M) | ($338.1M) | ($659.9M) |
| Proceeds from Federal Home Loan Bank stock redemption | $30.5M | $74.7M | $91.5M | $36.1M |
| Purchases of Federal Reserve Bank and Federal Home Loan Bank stock | ($31.0M) | ($62.8M) | ($90.9M) | ($55.7M) |
| Proceeds from settlement of bank owned life insurance | $11.4M | $1.4M | $3.8M | $1.9M |
| Purchases of premises and equipment, net | ($16.3M) | ($11.7M) | ($9.3M) | ($7.0M) |
| Proceeds from sales of other real estate owned | $348.0K | $75.0K | $268.0K | $426.0K |
| Net cash provided by (used in) investing activities | $169.1M | ($399.2M) | ($44.2M) | ($926.2M) |
| Net increase in deposits | $88.4M | $577.8M | $164.1M | ($738.5M) |
| Net decrease in short-term borrowings | ($57.9M) | ($223.7M) | ($231.7M) | $487.2M |
| Redemption of subordinated debt | ($118.0M) | $0 | $0 | ($2.0M) |
| Proceeds from long-term debt | $0 | $0 | $25.0M | $1.5M |
| Repayments of long-term debt | ($26.7M) | ($152.0K) | ($118.0K) | ($10.7M) |
| Proceeds from the issuance of shares to employee and other stock plans | 117.0K | 61.0K | 91.0K | 0 |
| Cash paid by employer for tax-withholding on stock issuance | ($4.4M) | ($2.0M) | ($1.9M) | ($1.8M) |
| Purchase of treasury stock | ($10.2M) | ($251.0K) | ($4.9M) | ($14.7M) |
| Cash dividends | ($72.6M) | ($62.3M) | ($55.9M) | ($49.8M) |
| Net cash (used in) provided by financing activities | ($201.2M) | $289.5M | ($105.4M) | ($328.7M) |
| Net (decrease) increase in cash and cash equivalents | $203.1M | $78.9M | $7.8M | ($1.1B) |
| Line item | Jun 30, 2026 · YTD | Mar 31, 2026 · Q1 | Sep 30, 2025 · YTD | Jun 30, 2025 · YTD |
|---|---|---|---|---|
| Net income | $104.2M | $51.1M | $113.7M | $59.3M |
| Provision for loan losses | $11.7M | $5.6M | $28.5M | $25.4M |
| Depreciation and amortization of premises and equipment | $7.0M | $3.5M | $9.6M | $6.2M |
| Net amortization on securities | $215.0K | $149.0K | $1.2M | $917.0K |
| Amortization of intangible assets | $6.5M | $3.3M | $8.6M | $5.2M |
| Amortization of operating lease right-of-use assets | $4.6M | $2.3M | $6.3M | $4.1M |
| Excess tax benefit on stock-based compensation | ($201.0K) | ($169.0K) | ($662.0K) | ($419.0K) |
| Stock-based compensation expense | $4.2M | $3.4M | $4.6M | $3.0M |
| Bank owned life insurance income | ($5.2M) | ($2.7M) | ($8.8M) | ($5.6M) |
| Amortization of subordinated debt issuance costs | $0 | $0 | $199.0K | $199.0K |
| Proceeds from sale of loans held for sale | $3.0M | $2.1M | $208.5M | $173.4M |
| Originations of loans held for sale | ($1.8M) | ($1.2M) | ($202.8M) | ($167.8M) |
| Net gains on sale of loans held for sale | ($79.0K) | ($58.0K) | ($512.0K) | ($313.0K) |
| Net securities (gains) | ($617.0K) | ($442.0K) | ($6.0K) | ($8.0K) |
| Net gains on sale of other real estate owned | ($99.0K) | ($60.0K) | ($111.0K) | ($83.0K) |
| Net change in other assets and other liabilities | ($18.5M) | ($13.9M) | $797.0K | ($15.0M) |
| Net cash provided by operating activities | $114.9M | $53.0M | $169.1M | $88.5M |
| Net cash (used in) provided by acquisitions | ($488.0K) | ($488.0K) | $37.9M | $38.6M |
| Proceeds from maturities, calls and principal paydowns | $143.7M | $70.9M | $160.7M | $90.2M |
| Purchases | ($295.5M) | ($132.8M) | ($342.8M) | ($202.3M) |
| Proceeds from maturities, calls and principal paydowns | $80.4M | $27.9M | $142.5M | $81.3M |
| Purchases | ($73.3M) | ($14.0M) | ($68.5M) | ($45.2M) |
| Proceeds from sales | $0 | — | $254.5M | $254.5M |
| Net (increase) in loans | ($285.1M) | $46.0M | $24.7M | ($483.0K) |
| Proceeds from Federal Reserve and Federal Home Loan Bank stock redemption | $11.5M | $35.0K | $30.3M | $30.2M |
| Purchases of Federal Reserve and Federal Home Loan Bank stock | ($18.5M) | ($118.0K) | ($30.9M) | ($27.0M) |
| Proceeds from settlement of bank owned life insurance | $8.1M | $995.0K | $7.9M | $4.3M |
| Purchases of premises and equipment, net | ($5.8M) | ($4.4M) | ($12.3M) | ($6.0M) |
| Proceeds from sales of other real estate owned | $411.0K | $350.0K | $269.0K | $135.0K |
| Net cash (used in) provided by investing activities | ($434.5M) | ($5.7M) | $204.9M | $218.7M |
| Net increase in deposits | $38.1M | $243.8M | $250.1M | $104.4M |
| Net increase (decrease) in short-term borrowings | $168.4M | ($30.3M) | ($67.2M) | ($93.0M) |
| Redemption of subordinated debt | ($25.0M) | — | ($118.0M) | — |
| Repayments of long-term debt | ($55.0K) | ($27.0K) | ($25.1M) | ($25.1M) |
| Cash paid by employer for tax-withholding on stock issuance | ($1.8M) | ($1.6M) | ($4.4M) | ($2.2M) |
| Purchase of treasury stock | ($14.0M) | ($11.0M) | $0 | $0 |
| Cash dividends | ($38.5M) | ($19.2M) | ($53.3M) | ($33.9M) |
| Net cash provided by (used in) financing activities | $127.1M | $181.6M | ($17.8M) | ($49.7M) |
| Net (decrease) increase in cash and cash equivalents | ($192.5M) | $229.0M | $356.2M | $257.5M |
| Cash and cash equivalents at beginning of period | $487.1M | $487.1M | $284.1M | $284.1M |
| Cash and cash equivalents at end of period | $294.7M | $716.1M | $640.2M | $541.6M |
| Interest expense | $100.4M | $51.4M | $160.4M | $99.8M |
| Income taxes paid, net of refund | $20.0M | $3.3M | $16.3M | $16.3M |
| Loans transferred to other real estate owned | $0 | $0 | $243.0K | $215.0K |
| Fair value of assets acquired, excluding acquired cash and goodwill | $0 | — | $2.1B | $2.1B |
NBT BANCORP INC score and earnings-call analysis · All covered companies
Figures as reported in SEC filings. General information, not investment advice.