NBT Bancorp (NBTB) Financials: History & Chart

NBT Bancorp Inc.(NBTB)

Banks - Regional · Norwich, NY

$50.67-0.28 (-0.55%)

Delayed quote: Oct 6, 2026, 12:35 PM EDT

About NBT Bancorp Inc.

NBT Bancorp Inc., a financial holding company, provides personal and commercial banking, retail banking, and wealth management services in the United States. It operates through Banking, Retirement Plan Administration, and All Other segments. The company offers demand deposit, savings, interest-bearing checking, money market deposit, and certificate of deposit accounts; and indirect and direct consumer loans, home equity loans and lines of credit, residential mortgages, business banking loans, commercial and industrial loans, agricultural loans, commercial construction loans, commercial real estate loans, indirect auto loans, and other consumer loans, as well as agricultural lending, personal lines of credit, overdraft protection, and second mortgage loans. It also provides trust and investment services; financial planning and life insurance services; and retirement plan and health savings account recordkeeping and administration, and actuarial services. In addition, the company offers insurance products, such as personal property and casualty, business liability, and commercial insurance; and other products and services through a network of ATM locations and 24-hour online, mobile, and telephone channels that enable customers to check balances, make deposits, transfer funds, pay bills, access statements, apply for loans, and access various other products and services. Further, it operates as a property management and passive investment company, as well as investment advisor that provides investment management and financial consulting services. The company serves retail, commercial, and municipal customers. It operates in upstate New York, northeastern Pennsylvania, southern New Hampshire, western Massachusetts, Vermont, southern Maine, and central and northwestern Connecticut. NBT Bancorp Inc. was founded in 1856 and is headquartered in Norwich, New York.

Norwich, NY

2,303 employees

www.nbtbancorp.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: Scott A. Kingsley

View full financials

Financials

SEC Filings

Quarterly Income Statement (USD)

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Quarterly Report	TTM	Quarter ended Jun 2026	Quarter ended Mar 2026	Quarter ended Dec 2025	Quarter ended Sep 2025	Quarter ended Jun 2025	Quarter ended Mar 2025	Quarter ended Dec 2024	Quarter ended Sep 2024
Revenue	945.29M	235.49M	232.78M	238.25M	238.77M	224.02M	201.20M	199.49M	201.44M
Cost of Goods Sold	221.48M	54.93M	53.88M	56.87M	55.80M	71.19M	54.73M	53.84M	57.48M
Gross Profit	723.81M	180.55M	178.91M	181.38M	182.97M	152.83M	146.46M	145.65M	143.96M
Gross Profit Margin	76.6%	76.7%	76.9%	76.1%	76.6%	68.2%	72.8%	73.0%	71.5%
Total Operating Expenses	446.50M	111.44M	112.23M	111.69M	111.14M	122.12M	99.24M	100.10M	95.19M
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	160.35M	78.48M	79.77M	-20.58M	22.69M	21.70M	63.53M	64.29M	62.17M
Operating Income (EBIT)	277.31M	69.12M	66.67M	69.69M	71.83M	30.71M	47.22M	45.55M	48.78M
Operating Margin	29.3%	29.4%	28.6%	29.3%	30.1%	13.7%	23.5%	22.8%	24.2%
Income Before Tax (EBT)	277.31M	69.12M	66.67M	69.69M	71.83M	30.71M	47.22M	45.55M	48.78M
Interest Income	747.42M	185.76M	182.65M	188.54M	190.47M	177.58M	154.40M	157.74M	156.23M
Interest Expense	206.00M	48.80M	48.30M	53.10M	55.80M	53.36M	47.18M	51.63M	54.56M
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income	214.15M	53.03M	51.14M	55.51M	54.47M	22.51M	36.74M	36.01M	38.10M
Income Tax Expense	63.16M	16.09M	15.53M	14.18M	17.35M	8.20M	10.48M	9.54M	10.68M
Net Profit Margin	22.7%	22.5%	22.0%	23.3%	22.8%	10.0%	18.3%	18.0%	18.9%
EBITDA	301.53M	78.11M	75.75M	72.42M	75.25M	39.12M	54.25M	52.45M	55.61M
EBITDA Margin	31.9%	33.2%	32.5%	30.4%	31.5%	17.5%	27.0%	26.3%	27.6%
Depreciation & Amortization	24.22M	8.99M	9.07M	2.73M	3.43M	8.41M	7.03M	6.91M	6.84M
EPS Basic	4.10	1.02	0.98	1.06	1.04	0.48	0.78	0.76	0.81
EPS Diluted	4.08	1.01	0.98	1.06	1.03	0.48	0.77	0.76	0.80
Weighted Average Basic Shares	52.19M	52.19M	52.19M	47.11M	47.11M	47.11M	47.11M	47.20M	47.03M
Weighted Average Diluted Shares	52.35M	52.35M	52.35M	52.52M	47.11M	47.11M	47.11M	47.51M	47.47M

Annual Income Statement (USD)

Swipe horizontally to review earlier years. The line-item column stays pinned.

Annual Report	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018
Revenue	867.43M	785.99M	662.35M	537.00M	494.75M	491.26M	507.40M	464.80M
Cost of Goods Sold	241.70M	231.16M	169.84M	39.03M	10.53M	83.74M	81.39M	67.45M
Gross Profit	625.73M	554.83M	492.50M	497.97M	484.22M	407.52M	426.01M	397.35M
Gross Profit Margin	72.1%	70.6%	74.4%	92.7%	97.9%	83.0%	84.0%	85.5%
Total Operating Expenses	406.29M	375.38M	339.05M	301.82M	284.37M	274.44M	270.58M	260.34M
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	87.34M	242.64M	203.56M	193.85M	178.14M	166.91M	186.48M	182.97M
Operating Income (EBIT)	219.44M	179.46M	153.46M	196.16M	199.86M	133.09M	155.43M	137.00M
Operating Margin	25.3%	22.8%	23.2%	36.5%	40.4%	27.1%	30.6%	29.5%
Income Before Tax (EBT)	219.44M	179.46M	153.46M	196.16M	199.86M	133.09M	155.43M	137.00M
Interest Income	710.99M	611.67M	522.79M	384.07M	339.88M	348.28M	367.53M	344.25M
Interest Expense	209.45M	211.55M	144.57M	21.88M	18.79M	32.60M	55.98M	38.63M
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income	169.24M	140.64M	118.78M	152.00M	154.88M	104.39M	121.02M	112.57M
Income Tax Expense	50.21M	38.82M	34.68M	44.16M	44.97M	28.70M	34.41M	24.44M
Net Profit Margin	19.5%	17.9%	17.9%	28.3%	31.3%	21.2%	23.9%	24.2%
EBITDA	241.03M	206.95M	175.73M	215.22M	219.74M	153.64M	175.75M	150.32M
EBITDA Margin	27.8%	26.3%	26.5%	40.1%	44.4%	31.3%	34.6%	32.3%
Depreciation & Amortization	21.59M	27.50M	22.27M	19.06M	19.88M	20.55M	20.32M	13.32M
EPS Basic	3.34	2.98	2.67	3.54	3.57	2.39	2.76	2.58
EPS Diluted	3.33	2.96	2.65	3.52	3.54	2.37	2.74	2.56
Weighted Average Basic Shares	47.11M	47.16M	44.49M	42.92M	43.42M	43.69M	43.81M	43.63M
Weighted Average Diluted Shares	50.88M	47.43M	44.77M	43.18M	43.72M	43.99M	44.12M	44.02M

Values are displayed in USD. Negative numbers shown in red.

Values are displayed in USD. Negative numbers are shown in red.