For the year ending 2025-12-31, NBTB had $203,060K increase in cash & cash equivalents over the period. $218,916K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Income before income tax expense | 219,444 |
| Income tax expense (benefit) | 50,209 |
| Net income | 169,235 |
| Provision for loan losses | 32,254 |
| Depreciation and amortization of premises and equipment | 12,999 |
| Net amortization on securities | -1,494 |
| Amortization of intangible assets | 11,944 |
| Amortization of operating lease right-of-use assets | 8,589 |
| Excess tax benefit on stock-based compensation | 674 |
| Stock-based compensation expense | 5,281 |
| Bank owned life insurance income | 12,393 |
| Amortization of subordinated debt issuance costs | 199 |
| Proceeds from sale of loans held for sale | 219,242 |
| Originations of loans held for sale | 211,089 |
| Net gain on sale of loans held for sale | 637 |
| Net security (gains) losses | 148 |
| Net gains on sale of other real estate owned | 64 |
| Impairment of a minority interest equity investment | 0 |
| Net deferred income tax expense (benefit) | 23,573 |
| Net change in other assets and other liabilities | 24,587 |
| Net cash provided by operating activities | 235,218 |
| Net cash provided by (used in) acquisitions | -37,944 |
| Proceeds from maturities, calls and principal paydowns | 256,498 |
| Proceeds from sales | 254,468 |
| Purchases | 474,865 |
| Proceeds from maturities, calls and principal paydowns | 174,206 |
| Purchases | 91,737 |
| Proceeds from sales | 491 |
| Purchases | 0 |
| Net decrease (increase) in loans | -17,141 |
| Proceeds from federal home loan bank stock redemption | 30,492 |
| Purchases of federal reserve bank and federal home loan bank stock | 31,029 |
| Proceeds from settlement of bank owned life insurance | 11,417 |
| Purchases of premises and equipment, net | 16,302 |
| Proceeds from sales of other real estate owned | 348 |
| Net cash provided by (used in) investing activities | 169,072 |
| Net increase in deposits | 88,383 |
| Net decrease in short-term borrowings | -57,873 |
| Redemption of subordinated debt | 118,000 |
| Proceeds from long-term debt | 0 |
| Repayments of long-term debt | 26,664 |
| 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 |
| Purchase of treasury stock | 10,185 |
| Cash dividends | 72,594 |
| Net cash (used in) provided by financing activities | -201,230 |
| Net (decrease) increase in cash and cash equivalents | 203,060 |
| Cash and cash equivalents at beginning of year | 284,056 |
| Cash and cash equivalents at end of year | 487,116 |
NBT BANCORP INC (NBTB)
NBT BANCORP INC (NBTB)