Financial insights of NBTB

MyFinsight

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

Income Overview

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

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

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

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

MyFinsight

Income Overview

Revenue
$408,821K
Net Income
$54,471K
Net Profit Margin
13.32%
EPS
$1.03
Unit: Thousand (K) dollars
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
$408,821K
Net Income
$54,471K
Net Profit Margin
13.32%
EPS
$1.03
Unit: Thousand (K) dollars
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$408,821KNet Income$54,471KNet Profit Margin13.32%EPS$1.03Unit: Thousand (K) dollarsRevenue 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$408,821KNet Income$54,471KNet Profit Margin13.32%EPS$1.03Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansSalaries and employee benefitsDepositsOthers

Time Plot

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

Income Statement

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

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