Financial insights of NBTB

MyFinsight

For the quarter ending 2025-09-30, NBTB made $408,821,000 in revenue. $54,471,000 in net income. Net profit margin of 13.32%.

Income Overview

Revenue
$408,821,000
Net Income
$54,471,000
Net Profit Margin
13.32%
EPS
$1.03
Unit: Dollar
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Deposits
Others

Unit: Dollar

Income Statement	2025-09-30	2025-06-30	2024-12-31
Interest and fees on loans	169,301,000	158,912,000	-
Securities available for sale	12,063,000	11,609,000	-
Securities held to maturity	4,595,000	4,870,000	-
Other	4,508,000	2,186,000	-
Total interest, fee and dividend income	190,467,000	177,577,000	-
Deposits	52,101,000	48,219,000	-
Short-term borrowings	816,000	1,046,000	-
Long-term debt	450,000	296,000	-
Subordinated debt	547,000	2,001,000	-
Junior subordinated debt	1,890,000	1,795,000	-
Total interest expense	55,804,000	53,357,000	-
Net interest income	134,663,000	124,220,000	-
Provision for loan losses	3,100,000	17,835,000	-
Net interest income after provision for loan losses	131,563,000	106,385,000	-
Service charges on deposit accounts	5,100,000	4,578,000	-
Card services income	6,389,000	6,077,000	-
Retirement plan administration fees	15,913,000	15,710,000	-
Wealth management	11,103,000	10,678,000	-
Insurance services	5,260,000	4,097,000	-
Bank owned life insurance income	3,240,000	2,180,000	-
Net securities (losses) gains	-2,000	112,000	-
Other	4,402,000	3,500,000	-
Total noninterest income	51,405,000	46,932,000	-
Salaries and employee benefits	66,636,000	64,155,000	-
Technology and data services	11,180,000	10,804,000	-
Occupancy	9,053,000	9,038,000	-
Professional fees and outside services	5,941,000	5,021,000	-
Office supplies and postage	2,073,000	1,871,000	-
Fdic assessment	2,262,000	1,820,000	-
Advertising	833,000	974,000	-
Amortization of intangible assets	3,429,000	3,042,000	-
Loan collection and other real estate owned, net	719,000	489,000	-
Acquisition expenses	1,125,000	17,180,000	-
Other	7,892,000	8,216,000	-
Total noninterest expense	111,143,000	122,610,000	-
Income before income tax expense	71,825,000	30,707,000	44,864,500
Income tax expense	17,354,000	8,197,000	9,704,250
Net income	54,471,000	22,510,000	35,160,250

Basic eps (in dollars per share)	1.04	0.45	0.745
Diluted eps (in dollars per share)	1.03	0.44	0.743
Weighted average common shares outstanding (in shares)	52,426,000	50,575,000	11,791,250
Weighted average common shares outstanding (in shares)	52,426,000	50,575,000	11,858,250

MyFinsight

Income Overview

Revenue
$408,821,000
Net Income
$54,471,000
Net Profit Margin
13.32%
EPS
$1.03
Unit: Dollar
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Deposits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue
$408,821,000
Net Income
$54,471,000
Net Profit Margin
13.32%
EPS
$1.03
Unit: Dollar
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Deposits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$408,821,000Net Income$54,471,000Net Profit Margin13.32%EPS$1.03Unit: DollarRevenue BreakdownInterest and fees on loansSalaries and employee benefitsDepositsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$408,821,000Net Income$54,471,000Net Profit Margin13.32%EPS$1.03Unit: DollarRevenue BreakdownInterest and fees on loansSalaries and employee benefitsDepositsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$408,821,000
Net Income
$54,471,000
Net Profit Margin
13.32%
EPS
$1.03
Unit: Dollar
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Deposits
Others

Revenue
$408,821,000
Net Income
$54,471,000
Net Profit Margin
13.32%
EPS
$1.03
Unit: Dollar
Revenue Breakdown
Interest and fees on loans
Salaries and employee benefits
Deposits
Others