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NBT Bancorp (NBTB)

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  • 44.210
  • -1.260-2.77%
Trading Jan 23 12:16 ET
2.31BMarket Cap14.64P/E (TTM)

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

NBT Bancorp (NBTB) Income Statement

Quarterly+Annual
YOY yoy
Hide blank lines yoy
(Q3)Sep 30, 2025
(Q2)Jun 30, 2025
(Q1)Mar 31, 2025
(FY)Dec 31, 2024
(Q4)Dec 31, 2024
(Q3)Sep 30, 2024
(Q2)Jun 30, 2024
(Q1)Mar 31, 2024
(FY)Dec 31, 2023
(Q4)Dec 31, 2023
Total revenue
26.19%185.35M
22.17%170.66M
10.00%154.02M
10.94%574.44M
7.80%147.85M
9.16%146.88M
15.98%139.69M
11.46%140.01M
0.52%517.78M
3.19%137.16M
Net interest income
32.45%134.66M
27.83%124.22M
12.66%107.22M
5.79%400.12M
6.99%106.11M
7.14%101.67M
9.08%97.17M
0.11%95.17M
4.43%378.22M
-0.61%99.17M
-Net interest income
21.91%190.47M
17.78%177.58M
5.08%154.4M
17.00%611.67M
4.52%157.74M
13.96%156.23M
25.02%150.77M
28.68%146.94M
36.12%522.79M
38.24%150.91M
-Interest income from loans and lease
19.23%169.3M
16.33%158.91M
3.68%138.05M
19.49%552.85M
6.30%141.1M
16.29%141.99M
27.75%136.61M
31.96%133.15M
39.04%462.67M
38.82%132.74M
-Interest income from securities
29.56%16.66M
29.23%16.48M
22.12%15.18M
2.47%51.74M
8.92%13.7M
0.63%12.86M
2.15%12.75M
-1.77%12.43M
6.90%50.49M
-2.32%12.58M
-Other interest income
226.19%4.51M
55.26%2.19M
-13.78%1.18M
-26.42%7.08M
-47.62%2.93M
-37.78%1.38M
20.34%1.41M
112.46%1.36M
136.71%9.63M
733.68%5.59M
-Total interest expense
2.28%55.8M
-0.44%53.36M
-8.85%47.18M
46.33%211.55M
-0.21%51.63M
29.29%54.56M
70.11%53.59M
170.64%51.76M
560.74%144.57M
450.85%51.74M
-Interest expense for deposit
6.10%52.1M
3.28%48.22M
-3.95%42.59M
78.66%186.95M
9.50%46.82M
59.65%49.11M
133.60%46.69M
297.87%44.34M
954.53%104.64M
944.79%42.75M
-Interest expense for short termdebt
-42.98%816K
-63.92%1.05M
-74.69%866K
-66.15%8.67M
-81.46%918K
-81.20%1.43M
-64.32%2.9M
-30.45%3.42M
876.29%25.61M
97.25%4.95M
-Interest expense for long term debt and capital securities
-28.26%2.89M
2.17%4.09M
-6.89%3.73M
11.24%15.93M
-3.42%3.9M
5.09%4.02M
18.07%4.01M
30.69%4M
53.43%14.32M
44.64%4.04M
Non interest income
12.10%50.69M
9.23%46.44M
4.36%46.79M
24.91%174.32M
9.91%41.75M
13.98%45.21M
35.60%42.52M
46.75%44.84M
-8.74%139.56M
14.64%37.99M
-Total premiums earned
73.45%3.24M
18.87%2.18M
44.43%3.4M
23.33%8.33M
27.87%2.27M
19.13%1.87M
20.03%1.83M
25.24%2.35M
11.68%6.75M
25.16%1.78M
-Fees and commissions
7.35%43.05M
7.23%40.65M
8.98%40.47M
15.91%152.17M
12.03%37.04M
13.37%40.1M
19.06%37.91M
19.71%37.13M
-4.28%131.29M
11.25%33.06M
-Other non interest income
58.75%4.4M
22.16%3.5M
-4.38%3.03M
1.79%11.03M
-15.97%2.22M
-4.81%2.77M
9.10%2.87M
19.47%3.17M
-0.18%10.84M
19.22%2.64M
-Gain loss on sale of assets
-100.42%-2K
221.74%112K
-104.76%-104K
129.94%2.79M
-56.21%222K
360.11%476K
98.02%-92K
143.68%2.18M
-723.61%-9.32M
333.64%507K
Credit losses provision
-6.16%-3.1M
-100.42%-17.84M
-35.40%-7.55M
22.42%-19.61M
56.91%-2.21M
76.89%-2.92M
-146.78%-8.9M
-42.72%-5.58M
-47.40%-25.27M
33.23%-5.13M
Non interest expense
15.49%109.3M
18.08%104.94M
7.45%98.02M
13.61%373.85M
7.74%99.11M
14.98%94.64M
15.55%88.87M
17.18%91.22M
9.38%329.07M
18.57%91.99M
Occupancy and equipment
16.75%9.05M
17.82%9.04M
11.47%9.03M
10.21%31.31M
8.52%7.79M
9.37%7.75M
10.80%7.67M
12.16%8.1M
8.09%28.41M
10.03%7.18M
Professional expense and contract services expense
21.97%5.94M
9.99%5.02M
2.04%4.95M
8.70%19.13M
-5.32%4.84M
17.40%4.87M
9.76%4.57M
16.16%4.85M
4.71%17.6M
6.32%5.12M
Selling and administrative expenses
12.17%69.73M
15.56%66.95M
9.06%63.53M
19.20%242.64M
21.10%64.29M
20.54%62.17M
18.95%57.93M
16.04%58.25M
5.01%203.56M
8.53%53.09M
-General and administrative expense
12.11%68.9M
15.62%65.98M
8.62%62.39M
19.32%239.25M
22.02%63.3M
20.73%61.46M
18.44%57.06M
15.92%57.44M
4.96%200.51M
7.99%51.87M
-Selling and marketing expense
17.16%833K
11.57%974K
40.15%1.14M
10.87%3.39M
-18.38%990K
6.60%711K
66.29%873K
25.12%812K
8.22%3.05M
38.00%1.21M
Depreciation amortization depletion
66.29%3.43M
42.62%3.04M
-2.63%2.11M
78.35%8.44M
-2.39%2.08M
28.15%2.06M
365.72%2.13M
304.48%2.17M
109.19%4.73M
296.10%2.13M
-Depreciation and amortization
66.29%3.43M
42.62%3.04M
-2.63%2.11M
78.35%8.44M
-2.39%2.08M
28.15%2.06M
365.72%2.13M
304.48%2.17M
109.19%4.73M
296.10%2.13M
Other non-interest expense
18.87%21.15M
26.07%20.89M
3.10%18.4M
-3.26%72.32M
-17.86%20.11M
-0.58%17.79M
-0.60%16.57M
13.59%17.85M
21.28%74.76M
45.73%24.49M
Income from associates and other participating interests
Special income (charges)
-107.18%-1.13M
-17.18M
-1.22M
84.66%-1.53M
-288.98%-988K
93.14%-543K
0
0
-931.85%-9.98M
73.73%-254K
Less:Restructuring and mergern&acquisition
107.18%1.13M
--17.18M
--1.22M
-84.66%1.53M
288.98%988K
-93.14%543K
--0
--0
931.85%9.98M
-73.73%254K
Other non-operating income (expenses)
Income before tax
47.25%71.83M
-26.75%30.71M
9.27%47.22M
16.94%179.46M
14.49%45.55M
53.87%48.78M
8.23%41.92M
-0.07%43.21M
-21.77%153.46M
-14.78%39.78M
Income tax
62.48%17.35M
-10.93%8.2M
11.55%10.48M
11.94%38.82M
2.18%9.54M
50.54%10.68M
6.29%9.2M
-2.03%9.39M
-21.48%34.68M
-11.60%9.34M
Earnings from equity interest net of tax
Net income
42.98%54.47M
-31.20%22.51M
8.64%36.75M
18.40%140.64M
18.26%36.01M
54.83%38.1M
8.79%32.72M
0.49%33.82M
-21.85%118.78M
-15.71%30.45M
Net Income continuous operations
42.98%54.47M
-31.20%22.51M
8.64%36.75M
18.40%140.64M
18.26%36.01M
54.83%38.1M
8.79%32.72M
0.49%33.82M
-21.85%118.78M
-15.71%30.45M
Minority interest income
Net income attributable to the parent company
42.98%54.47M
-31.20%22.51M
8.64%36.75M
18.40%140.64M
18.26%36.01M
54.83%38.1M
8.79%32.72M
0.49%33.82M
-21.85%118.78M
-15.71%30.45M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders
42.98%54.47M
-31.20%22.51M
8.64%36.75M
18.40%140.64M
18.26%36.01M
54.83%38.1M
8.79%32.72M
0.49%33.82M
-21.85%118.78M
-15.71%30.45M
Basic earnings per share
28.40%1.04
-34.78%0.45
8.33%0.78
11.61%2.98
16.92%0.76
50.00%0.81
-1.43%0.69
-7.69%0.72
-24.58%2.67
-22.62%0.65
Diluted earnings per share
28.75%1.03
-36.23%0.44
8.45%0.77
12.08%2.97
18.75%0.76
48.15%0.8
-1.43%0.69
-8.97%0.71
-24.72%2.65
-23.81%0.64
Dividend per share
8.82%0.37
6.25%0.34
6.25%0.34
6.45%1.32
6.25%0.34
6.25%0.34
6.67%0.32
6.67%0.32
6.90%1.24
6.67%0.32
Currency Unit
USD
USD
USD
USD
USD
USD
USD
USD
USD
USD
Accounting Standards
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
Audit Opinions
--
--
--
Unqualified Opinion
--
--
--
--
Unqualified Opinion
--
(Q3)Sep 30, 2025(Q2)Jun 30, 2025(Q1)Mar 31, 2025(FY)Dec 31, 2024(Q4)Dec 31, 2024(Q3)Sep 30, 2024(Q2)Jun 30, 2024(Q1)Mar 31, 2024(FY)Dec 31, 2023(Q4)Dec 31, 2023
Total revenue 26.19%185.35M22.17%170.66M10.00%154.02M10.94%574.44M7.80%147.85M9.16%146.88M15.98%139.69M11.46%140.01M0.52%517.78M3.19%137.16M
Net interest income 32.45%134.66M27.83%124.22M12.66%107.22M5.79%400.12M6.99%106.11M7.14%101.67M9.08%97.17M0.11%95.17M4.43%378.22M-0.61%99.17M
-Net interest income 21.91%190.47M17.78%177.58M5.08%154.4M17.00%611.67M4.52%157.74M13.96%156.23M25.02%150.77M28.68%146.94M36.12%522.79M38.24%150.91M
-Interest income from loans and lease 19.23%169.3M16.33%158.91M3.68%138.05M19.49%552.85M6.30%141.1M16.29%141.99M27.75%136.61M31.96%133.15M39.04%462.67M38.82%132.74M
-Interest income from securities 29.56%16.66M29.23%16.48M22.12%15.18M2.47%51.74M8.92%13.7M0.63%12.86M2.15%12.75M-1.77%12.43M6.90%50.49M-2.32%12.58M
-Other interest income 226.19%4.51M55.26%2.19M-13.78%1.18M-26.42%7.08M-47.62%2.93M-37.78%1.38M20.34%1.41M112.46%1.36M136.71%9.63M733.68%5.59M
-Total interest expense 2.28%55.8M-0.44%53.36M-8.85%47.18M46.33%211.55M-0.21%51.63M29.29%54.56M70.11%53.59M170.64%51.76M560.74%144.57M450.85%51.74M
-Interest expense for deposit 6.10%52.1M3.28%48.22M-3.95%42.59M78.66%186.95M9.50%46.82M59.65%49.11M133.60%46.69M297.87%44.34M954.53%104.64M944.79%42.75M
-Interest expense for short termdebt -42.98%816K-63.92%1.05M-74.69%866K-66.15%8.67M-81.46%918K-81.20%1.43M-64.32%2.9M-30.45%3.42M876.29%25.61M97.25%4.95M
-Interest expense for long term debt and capital securities -28.26%2.89M2.17%4.09M-6.89%3.73M11.24%15.93M-3.42%3.9M5.09%4.02M18.07%4.01M30.69%4M53.43%14.32M44.64%4.04M
Non interest income 12.10%50.69M9.23%46.44M4.36%46.79M24.91%174.32M9.91%41.75M13.98%45.21M35.60%42.52M46.75%44.84M-8.74%139.56M14.64%37.99M
-Total premiums earned 73.45%3.24M18.87%2.18M44.43%3.4M23.33%8.33M27.87%2.27M19.13%1.87M20.03%1.83M25.24%2.35M11.68%6.75M25.16%1.78M
-Fees and commissions 7.35%43.05M7.23%40.65M8.98%40.47M15.91%152.17M12.03%37.04M13.37%40.1M19.06%37.91M19.71%37.13M-4.28%131.29M11.25%33.06M
-Other non interest income 58.75%4.4M22.16%3.5M-4.38%3.03M1.79%11.03M-15.97%2.22M-4.81%2.77M9.10%2.87M19.47%3.17M-0.18%10.84M19.22%2.64M
-Gain loss on sale of assets -100.42%-2K221.74%112K-104.76%-104K129.94%2.79M-56.21%222K360.11%476K98.02%-92K143.68%2.18M-723.61%-9.32M333.64%507K
Credit losses provision -6.16%-3.1M-100.42%-17.84M-35.40%-7.55M22.42%-19.61M56.91%-2.21M76.89%-2.92M-146.78%-8.9M-42.72%-5.58M-47.40%-25.27M33.23%-5.13M
Non interest expense 15.49%109.3M18.08%104.94M7.45%98.02M13.61%373.85M7.74%99.11M14.98%94.64M15.55%88.87M17.18%91.22M9.38%329.07M18.57%91.99M
Occupancy and equipment 16.75%9.05M17.82%9.04M11.47%9.03M10.21%31.31M8.52%7.79M9.37%7.75M10.80%7.67M12.16%8.1M8.09%28.41M10.03%7.18M
Professional expense and contract services expense 21.97%5.94M9.99%5.02M2.04%4.95M8.70%19.13M-5.32%4.84M17.40%4.87M9.76%4.57M16.16%4.85M4.71%17.6M6.32%5.12M
Selling and administrative expenses 12.17%69.73M15.56%66.95M9.06%63.53M19.20%242.64M21.10%64.29M20.54%62.17M18.95%57.93M16.04%58.25M5.01%203.56M8.53%53.09M
-General and administrative expense 12.11%68.9M15.62%65.98M8.62%62.39M19.32%239.25M22.02%63.3M20.73%61.46M18.44%57.06M15.92%57.44M4.96%200.51M7.99%51.87M
-Selling and marketing expense 17.16%833K11.57%974K40.15%1.14M10.87%3.39M-18.38%990K6.60%711K66.29%873K25.12%812K8.22%3.05M38.00%1.21M
Depreciation amortization depletion 66.29%3.43M42.62%3.04M-2.63%2.11M78.35%8.44M-2.39%2.08M28.15%2.06M365.72%2.13M304.48%2.17M109.19%4.73M296.10%2.13M
-Depreciation and amortization 66.29%3.43M42.62%3.04M-2.63%2.11M78.35%8.44M-2.39%2.08M28.15%2.06M365.72%2.13M304.48%2.17M109.19%4.73M296.10%2.13M
Other non-interest expense 18.87%21.15M26.07%20.89M3.10%18.4M-3.26%72.32M-17.86%20.11M-0.58%17.79M-0.60%16.57M13.59%17.85M21.28%74.76M45.73%24.49M
Income from associates and other participating interests
Special income (charges) -107.18%-1.13M-17.18M-1.22M84.66%-1.53M-288.98%-988K93.14%-543K00-931.85%-9.98M73.73%-254K
Less:Restructuring and mergern&acquisition 107.18%1.13M--17.18M--1.22M-84.66%1.53M288.98%988K-93.14%543K--0--0931.85%9.98M-73.73%254K
Other non-operating income (expenses)
Income before tax 47.25%71.83M-26.75%30.71M9.27%47.22M16.94%179.46M14.49%45.55M53.87%48.78M8.23%41.92M-0.07%43.21M-21.77%153.46M-14.78%39.78M
Income tax 62.48%17.35M-10.93%8.2M11.55%10.48M11.94%38.82M2.18%9.54M50.54%10.68M6.29%9.2M-2.03%9.39M-21.48%34.68M-11.60%9.34M
Earnings from equity interest net of tax
Net income 42.98%54.47M-31.20%22.51M8.64%36.75M18.40%140.64M18.26%36.01M54.83%38.1M8.79%32.72M0.49%33.82M-21.85%118.78M-15.71%30.45M
Net Income continuous operations 42.98%54.47M-31.20%22.51M8.64%36.75M18.40%140.64M18.26%36.01M54.83%38.1M8.79%32.72M0.49%33.82M-21.85%118.78M-15.71%30.45M
Minority interest income
Net income attributable to the parent company 42.98%54.47M-31.20%22.51M8.64%36.75M18.40%140.64M18.26%36.01M54.83%38.1M8.79%32.72M0.49%33.82M-21.85%118.78M-15.71%30.45M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders 42.98%54.47M-31.20%22.51M8.64%36.75M18.40%140.64M18.26%36.01M54.83%38.1M8.79%32.72M0.49%33.82M-21.85%118.78M-15.71%30.45M
Basic earnings per share 28.40%1.04-34.78%0.458.33%0.7811.61%2.9816.92%0.7650.00%0.81-1.43%0.69-7.69%0.72-24.58%2.67-22.62%0.65
Diluted earnings per share 28.75%1.03-36.23%0.448.45%0.7712.08%2.9718.75%0.7648.15%0.8-1.43%0.69-8.97%0.71-24.72%2.65-23.81%0.64
Dividend per share 8.82%0.376.25%0.346.25%0.346.45%1.326.25%0.346.25%0.346.67%0.326.67%0.326.90%1.246.67%0.32
Currency Unit USDUSDUSDUSDUSDUSDUSDUSDUSDUSD
Accounting Standards US-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAP
Audit Opinions ------Unqualified Opinion--------Unqualified Opinion--
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