| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 113,726 | 59,255 |
| Provision for loan losses | 28,489 | 25,389 |
| Depreciation and amortization of premises and equipment | 9,569 | 6,193 |
| Net amortization on securities | -1,219 | -917 |
| Amortization of intangible assets | 8,582 | 5,153 |
| Amortization of operating lease right-of-use assets | 6,342 | 4,088 |
| Excess tax benefit on stock-based compensation | 662 | 419 |
| Stock-based compensation expense | 4,634 | 3,047 |
| Bank owned life insurance income | 8,817 | 5,577 |
| Amortization of subordinated debt issuance costs | 199 | 199 |
| Proceeds from sale of loans held for sale | 208,465 | 173,409 |
| Originations of loans held for sale | 202,843 | 167,816 |
| Net gain on sale of loans held for sale | 512 | 313 |
| Net securities gains | 6 | 8 |
| Net gains on sale of other real estate owned | 111 | 83 |
| Net change in other assets and other liabilities | -797 | 14,952 |
| Net cash provided by operating activities | 169,071 | 88,482 |
| Net cash provided by (used in) acquisitions | -37,944 | -38,597 |
| Proceeds from maturities, calls and principal paydowns | 160,693 | 90,172 |
| Proceeds from sales | 254,468 | 254,468 |
| Purchases | 342,763 | 202,260 |
| Proceeds from maturities, calls and principal paydowns | 142,526 | 81,258 |
| Purchases | 68,463 | 45,167 |
| Proceeds from sales | 491 | 491 |
| Purchases | 0 | 0 |
| Net decrease (increase) in loans | -24,735 | 483 |
| Proceeds from federal reserve and federal home loan bank stock redemption | 30,264 | 30,216 |
| Purchases of federal reserve and federal home loan bank stock | 30,876 | 26,991 |
| Proceeds from settlement of bank owned life insurance | 7,897 | 4,330 |
| Purchases of premises and equipment, net | 12,271 | 6,031 |
| Proceeds from sales of other real estate owned | 269 | 135 |
| Net cash provided by (used in) investing activities | 204,914 | 218,735 |
| Net increase in deposits | 250,108 | 104,422 |
| Net decrease in short-term borrowings | -67,213 | -92,972 |
| Redemption of subordinated debt | 118,000 | - |
| Repayments of long-term debt | 25,118 | 25,078 |
| Proceeds from the issuance of shares to employee and other stock plans | 117 | - |
| Cash paid by employer for tax-withholding on stock issuance | 4,414 | 2,207 |
| Purchase of treasury stock | 0 | 0 |
| Cash dividends | 53,279 | 33,875 |
| Net cash (used in) provided by financing activities | -17,799 | -49,710 |
| Net increase in cash and cash equivalents | 356,186 | 257,507 |
| Cash and cash equivalents at beginning of period | 284,056 | - |
| Cash and cash equivalents at end of period | 640,242 | - |
NBT BANCORP INC (NBTB)
NBT BANCORP INC (NBTB)