| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Income before income tax expense | NaN | 219,444 | NaN | NaN |
| Income tax expense (benefit) | NaN | 50,209 | NaN | NaN |
| Net income | 51,142 | 55,509 | 54,471 | 59,255 |
| Provision for loan losses | 5,577 | 3,765 | 3,100 | 25,389 |
| Depreciation and amortization of premises and equipment | 3,450 | 3,430 | 3,376 | 6,193 |
| Net amortization on securities | -149 | -275 | -302 | -917 |
| Amortization of intangible assets | 3,348 | 3,362 | 3,429 | 5,153 |
| Amortization of operating lease right-of-use assets | 2,277 | 2,247 | 2,254 | 4,088 |
| Excess tax benefit on stock-based compensation | 169 | 12 | 243 | 419 |
| Stock-based compensation expense | 3,369 | 647 | 1,587 | 3,047 |
| Bank owned life insurance income | 2,659 | 3,576 | 3,240 | 5,577 |
| Amortization of subordinated debt issuance costs | 0 | 0 | 0 | 199 |
| Proceeds from sale of loans held for sale | 2,149 | 10,777 | 35,056 | 173,409 |
| Originations of loans held for sale | 1,168 | 8,246 | 35,027 | 167,816 |
| Net gain on sale of loans held for sale | 58 | 125 | 199 | 313 |
| Net securities (gains) losses | 442 | 142 | -2 | 8 |
| Net gains on sale of other real estate owned | 60 | -47 | 28 | 83 |
| Impairment of a minority interest equity investment | NaN | 0 | NaN | NaN |
| Net deferred income tax expense (benefit) | NaN | 23,573 | NaN | NaN |
| Net change in other assets and other liabilities | 13,865 | 25,384 | -15,749 | 14,952 |
| Net cash provided by operating activities | 53,040 | 66,147 | 80,589 | 88,482 |
| Net cash used in acquisitions | 488 | 0 | 653 | -38,597 |
| Proceeds from sales | NaN | 0 | 0 | 491 |
| Available For Sale | 70,947 | 95,805 | 70,521 | 90,172 |
| Proceeds from sales | NaN | 0 | 0 | 254,468 |
| Available For Sale Securities Debt | 132,811 | 132,102 | 140,503 | 202,260 |
| Held To Maturity | 27,852 | 31,680 | 61,268 | 81,258 |
| Purchases | NaN | 0 | 0 | 0 |
| Held To Maturity Securities | 14,000 | 23,274 | 23,296 | 45,167 |
| Net decrease (increase) in loans | -45,972 | 7,594 | -25,218 | 483 |
| Proceeds from federal home loan bank stock redemption | 35 | 228 | 48 | 30,216 |
| Purchases of federal home loan bank stock | 118 | 153 | 3,885 | 26,991 |
| Proceeds from settlement of bank owned life insurance | 995 | 3,520 | 3,567 | 4,330 |
| Purchases of premises and equipment, net | 4,423 | 4,031 | 6,240 | 6,031 |
| Proceeds from sales of other real estate owned | 350 | 79 | 134 | 135 |
| Net cash used in investing activities | -5,689 | -35,842 | -13,821 | 218,735 |
| Net increase in deposits | 243,773 | -161,725 | 145,686 | 104,422 |
| Net decrease in short-term borrowings | -30,263 | 9,340 | 25,759 | -92,972 |
| Redemption of subordinated debt | NaN | 0 | 118,000 | NaN |
| Proceeds from long-term debt | NaN | 0 | NaN | NaN |
| Repayments of long-term debt | 27 | 1,546 | 40 | 25,078 |
| Proceeds from the issuance of shares to employee and other stock plans | NaN | 0 | 117 | NaN |
| Cash paid by employer for tax-withholding on stock issuance | 1,625 | 0 | 2,207 | 2,207 |
| Purchase of treasury stock | 11,014 | 10,185 | 0 | 0 |
| Cash dividends | 19,239 | 19,315 | 19,404 | 33,875 |
| Net cash provided by financing activities | 181,605 | -183,431 | 31,911 | -49,710 |
| Net increase (decrease) in cash and cash equivalents | 228,956 | -153,126 | 98,679 | 257,507 |
| Cash and cash equivalents at beginning of period | 487,116 | 640,242 | 284,056 | NaN |
| Cash and cash equivalents at end of period | 716,072 | 487,116 | 640,242 | NaN |
NBT BANCORP INC (NBTB)
NBT BANCORP INC (NBTB)