For the quarter ending 2025-09-30, NBTB had $98,679K increase in cash & cash equivalents over the period. $74,349K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 54,471 | 59,255 |
| Provision for loan losses | 3,100 | 25,389 |
| Depreciation and amortization of premises and equipment | 3,376 | 6,193 |
| Net amortization on securities | -302 | -917 |
| Amortization of intangible assets | 3,429 | 5,153 |
| Amortization of operating lease right-of-use assets | 2,254 | 4,088 |
| Excess tax benefit on stock-based compensation | 243 | 419 |
| Stock-based compensation expense | 1,587 | 3,047 |
| Bank owned life insurance income | 3,240 | 5,577 |
| Amortization of subordinated debt issuance costs | 0 | 199 |
| Proceeds from sale of loans held for sale | 35,056 | 173,409 |
| Originations of loans held for sale | 35,027 | 167,816 |
| Net gain on sale of loans held for sale | 199 | 313 |
| Net securities gains | -2 | 8 |
| Net gains on sale of other real estate owned | 28 | 83 |
| Net change in other assets and other liabilities | -15,749 | 14,952 |
| Net cash provided by operating activities | 80,589 | 88,482 |
| Net cash provided by (used in) acquisitions | 653 | -38,597 |
| Proceeds from maturities, calls and principal paydowns | 70,521 | 90,172 |
| Proceeds from sales | 0 | 254,468 |
| Purchases | 140,503 | 202,260 |
| Proceeds from maturities, calls and principal paydowns | 61,268 | 81,258 |
| Purchases | 23,296 | 45,167 |
| Proceeds from sales | 0 | 491 |
| Purchases | 0 | 0 |
| Net decrease (increase) in loans | -25,218 | 483 |
| Proceeds from federal reserve and federal home loan bank stock redemption | 48 | 30,216 |
| Purchases of federal reserve and federal home loan bank stock | 3,885 | 26,991 |
| Proceeds from settlement of bank owned life insurance | 3,567 | 4,330 |
| Purchases of premises and equipment, net | 6,240 | 6,031 |
| Proceeds from sales of other real estate owned | 134 | 135 |
| Net cash provided by (used in) investing activities | -13,821 | 218,735 |
| Net increase in deposits | 145,686 | 104,422 |
| Net decrease in short-term borrowings | 25,759 | -92,972 |
| Redemption of subordinated debt | 118,000 | - |
| Repayments of long-term debt | 40 | 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 | 2,207 | 2,207 |
| Purchase of treasury stock | 0 | 0 |
| Cash dividends | 19,404 | 33,875 |
| Net cash (used in) provided by financing activities | 31,911 | -49,710 |
| Net increase in cash and cash equivalents | 98,679 | 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)