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Income Overview
Net Income
$53,030K
EPS
$1.02
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Interest and fees on loans
163,764
161,102
139,994*
169,301
Securities available for sale
14,770
13,482
11,507*
12,063
Securities held to maturity
4,426
4,350
4,580*
4,595
Other
2,801
3,712
2,848*
4,508
Total interest, fee and dividend income
185,761
182,646
158,928*
190,467
Deposits
44,879
44,835
41,855*
52,101
Short-term borrowings
1,165
822
850*
816
Long-term debt
445
441
344*
450
Subordinated debt
611
510
1,053*
547
Junior subordinated debt
1,698
1,690
1,604*
1,890
Total interest expense
48,798
48,298
45,705*
55,804
Net interest income
136,963
134,348
113,223*
134,663
Provision for loan losses
6,136
5,577
852*
3,100
Net interest income after provision for loan losses
130,827
128,771
112,371*
131,563
Service charges on deposit accounts
5,194
5,268
4,550*
5,100
Card services income
6,613
6,028
5,289*
6,389
Retirement plan administration fees
16,928
16,566
14,151*
15,913
Wealth management
10,948
11,134
12,084*
11,103
Insurance services
4,177
4,482
4,000*
5,260
Bank owned life insurance income
2,505
2,659
4,263*
3,240
Net securities losss
175
442
-17*
-2
Other
3,187
3,557
3,669*
4,402
Total noninterest income
49,727
50,136
47,988*
51,405
Salaries and employee benefits
69,004
68,759
61,591*
66,636
Technology and data services
11,850
11,510
11,049*
11,180
Occupancy
9,475
11,010
9,249*
9,053
Professional fees and outside services
5,662
5,554
5,297*
5,941
Office supplies and postage
2,060
2,167
2,179*
2,073
Fdic assessment
1,984
2,010
1,766*
2,262
Advertising
-
-
-
833
Marketing
937
918
1,003*
-
Amortization of intangible assets
3,191
3,348
2,238*
3,429
Loan collection and other real estate owned, net
544
610
836*
719
Acquisition expenses
0
0
-7,931*
1,125
Other
6,731
6,346
7,436*
7,892
Total noninterest expense
111,438
112,232
94,712*
111,143
Income before income tax expense
69,116
66,675
65,647*
71,825
Income tax expense
16,086
15,533
11,883*
17,354
Net income
53,030
51,142
53,764
54,471
Basic EPS
1.02
0.98
1.098
1.04
Diluted EPS
1.02
0.98
1.083
1.03
Basic Average Shares
51,981,000
52,123,000
48,952,000
52,426,000
Diluted Average Shares
51,981,000
52,123,000
49,624,000
52,426,000
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Income Statement
Interest and fees on loans
$163,764K
(3.05%↑ Y/Y)
Securities available for
sale
$14,770K
(27.23%↑ Y/Y)
Securities held to maturity
$4,426K
(-9.12%↓ Y/Y)
Other
$2,801K
(28.13%↑ Y/Y)
Total interest, fee
and dividend income
$185,761K
(4.61%↑ Y/Y)
Net interest income
$136,963K
(10.26%↑ Y/Y)
Retirement plan
administration fees
$16,928K
(7.75%↑ Y/Y)
Wealth management
$10,948K
(2.53%↑ Y/Y)
Card services income
$6,613K
(8.82%↑ Y/Y)
Service charges on
deposit accounts
$5,194K
(13.46%↑ Y/Y)
Insurance services
$4,177K
(1.95%↑ Y/Y)
Other
$3,187K
(-8.94%↓ Y/Y)
Bank owned life
insurance income
$2,505K
(14.91%↑ Y/Y)
Net securities
losss
$175K
(56.25%↑ Y/Y)
Total interest
expense
$48,798K
(-8.54%↓ Y/Y)
Net interest income
after provision for...
$130,827K
(22.98%↑ Y/Y)
Total noninterest
income
$49,727K
(5.96%↑ Y/Y)
Provision for loan losses
$6,136K
(-65.60%↓ Y/Y)
Deposits
$44,879K
(-6.93%↓ Y/Y)
Junior subordinated
debt
$1,698K
(-5.40%↓ Y/Y)
Short-term borrowings
$1,165K
(11.38%↑ Y/Y)
Subordinated debt
$611K
(-69.47%↓ Y/Y)
Long-term debt
$445K
(50.34%↑ Y/Y)
Income before income
tax expense
$69,116K
(125.08%↑ Y/Y)
Total noninterest
expense
$111,438K
(-9.11%↓ Y/Y)
Net income
$53,030K
(135.58%↑ Y/Y)
Income tax expense
$16,086K
(96.24%↑ Y/Y)
Salaries and employee
benefits
$69,004K
(7.56%↑ Y/Y)
Technology and data
services
$11,850K
(9.68%↑ Y/Y)
Occupancy
$9,475K
(4.84%↑ Y/Y)
Other
$6,731K
(-18.07%↓ Y/Y)
Professional fees and outside
services
$5,662K
(12.77%↑ Y/Y)
Amortization of intangible
assets
$3,191K
(4.90%↑ Y/Y)
Office supplies and
postage
$2,060K
(10.10%↑ Y/Y)
Fdic assessment
$1,984K
(9.01%↑ Y/Y)
Marketing
$937K
Loan collection and
other real estate...
$544K
(11.25%↑ Y/Y)
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NBT BANCORP INC (NBTB)
NBT BANCORP INC (NBTB)