Financial insights of NBTB

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31	2024-12-31
Interest and fees on loans	632,311	-
Securities available for sale	47,015	-
Securities held to maturity	18,777	-
Other	12,889	-
Total interest, fee and dividend income	710,992	-
Deposits	192,334	-
Short-term borrowings	3,643	-
Long-term debt	1,463	-
Subordinated debt	4,875	-
Junior subordinated debt	7,131	-
Total interest expense	209,446	-
Net interest income	501,546	-
Provision for loan losses	32,254	-
Net interest income after provision for loan losses	469,292	-
Service charges on deposit accounts	19,067	-
Card services income	23,988	-
Retirement plan administration fees	61,585	-
Wealth management	44,755	-
Insurance services	18,035	-
Bank owned life insurance income	12,393	-
Net securities gains (losses)	148	-
Other	15,522	-
Total noninterest income	195,493	-
Salaries and employee benefits	257,478	-
Technology and data services	44,025	-
Occupancy	36,385	-
Professional fees and outside services	21,740	-
Office supplies and postage	8,095	-
Fdic assessment	7,889	-
Marketing	4,013	-
Amortization of intangible assets	11,944	-
Loan collection and other real estate owned, net	2,648	-
Acquisition expenses	19,526	-
Other	31,598	-
Total noninterest expense	445,341	-
Income before income tax expense	219,444	179,458
Income tax expense	50,209	38,817
Net income	169,235	140,641

Basic EPS	3.34	2.98
Diluted EPS	3.33	2.97
Basic Average Shares	50,651,000	47,165,000
Diluted Average Shares	50,875,000	47,433,000