Financial insights of NBTB

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$51,142K
EPS
$0.98
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Interest and fees on loans	161,102	139,994*	169,301	158,912
Securities available for sale	13,482	11,507*	12,063	11,609
Securities held to maturity	4,350	4,580*	4,595	4,870
Other	3,712	2,848*	4,508	2,186
Total interest, fee and dividend income	182,646	158,928*	190,467	177,577
Deposits	44,835	41,855*	52,101	48,219
Short-term borrowings	822	850*	816	1,046
Long-term debt	441	344*	450	296
Subordinated debt	510	1,053*	547	2,001
Junior subordinated debt	1,690	1,604*	1,890	1,795
Total interest expense	48,298	45,705*	55,804	53,357
Net interest income	134,348	113,223*	134,663	124,220
Provision for loan losses	5,577	852*	3,100	17,835
Net interest income after provision for loan losses	128,771	112,371*	131,563	106,385
Service charges on deposit accounts	5,268	4,550*	5,100	4,578
Card services income	6,028	5,289*	6,389	6,077
Retirement plan administration fees	16,566	14,151*	15,913	15,710
Wealth management	11,134	12,084*	11,103	10,678
Insurance services	4,482	4,000*	5,260	4,097
Bank owned life insurance income	2,659	4,263*	3,240	2,180
Net securities losss (gaines)	442	-17*	-2	112
Other	3,557	3,669*	4,402	3,500
Total noninterest income	50,136	47,988*	51,405	46,932
Salaries and employee benefits	68,759	61,591*	66,636	64,155
Technology and data services	11,510	11,049*	11,180	10,804
Advertising	-	-	833	974
Occupancy	11,010	9,249*	9,053	9,038
Professional fees and outside services	5,554	5,297*	5,941	5,021
Office supplies and postage	2,167	2,179*	2,073	1,871
Fdic assessment	2,010	1,766*	2,262	1,820
Marketing	918	1,003*	-	-
Amortization of intangible assets	3,348	2,238*	3,429	3,042
Loan collection and other real estate owned, net	610	836*	719	489
Acquisition expenses	0	-7,931*	1,125	17,180
Other	6,346	7,436*	7,892	8,216
Total noninterest expense	112,232	94,712*	111,143	122,610
Income before income tax expense	66,675	65,647*	71,825	30,707
Income tax expense	15,533	11,883*	17,354	8,197
Net income	51,142	53,764	54,471	22,510

Basic EPS	0.98	1.098	1.04	0.45
Diluted EPS	0.98	1.083	1.03	0.44
Basic Average Shares	52,123,000	48,952,000	52,426,000	50,575,000
Diluted Average Shares	52,123,000	49,624,000	52,426,000	50,575,000

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$51,142K
EPS
$0.98
Unit: Thousand (K) dollars

Time Plot

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

Income Statement

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Income Overview

Net Income
$51,142K
EPS
$0.98
Unit: Thousand (K) dollars

Time Plot

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

Income Statement

DownloadDownload image

Income Overview

Net Income$51,142KEPS$0.98Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Net Income$51,142KEPS$0.98Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Net Income
$51,142K
EPS
$0.98
Unit: Thousand (K) dollars

Net Income
$51,142K
EPS
$0.98
Unit: Thousand (K) dollars