What is NBT Bancorp's revenue?

NBT Bancorp (NBTB) generated $726.8M in revenue over the trailing twelve months, up 23.0% year over year.

Is NBT Bancorp profitable?

NBT Bancorp reported $183.6M in net income over the trailing twelve months, a 25.3% net margin.

What is NBT Bancorp's earnings per share?

NBT Bancorp's diluted EPS over the trailing twelve months is $3.52.

Where does NBT Bancorp's income statement data come from?

Every line is extracted from NBT Bancorp's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.

NBT Bancorp NBTB Income Statement

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	Q1 '26	Q4 '25	Q3 '25	Q2 '25	Q1 '25
Net interest income	$134.35M+25.3%	$135.44M+27.6%	$134.66M+32.5%	$124.22M+27.8%	$107.22M+12.7%
Net interest income after provision for credit losses	$128.77M+29.2%	$131.68M+26.7%	$131.56M+33.2%	$106.39M+20.5%	$99.67M+11.2%
Total noninterest income	$50.14M+5.7%	$49.7M+17.2%	$51.41M+12.3%	$46.93M+8.6%	$47.45M+4.5%
Total interest income	$182.65M+18.3%	$188.54M+19.5%	$190.47M+21.9%	$177.58M+17.8%	$154.4M+5.1%
Total interest expense (banking)	$44.84M+5.3%	$49.43M+5.6%	$52.1M+6.1%	$48.22M+3.3%	$42.59M-3.9%
Selling and marketing	$918K-19.3%	——	——	——	$1.14M+34.4%
Compensation and benefits	$68.76M+13.3%	$65.99M+6.9%	$66.64M+11.7%	$64.16M+15.8%	$60.69M+9.0%
Occupancy and equipment	$11.01M+22.0%	$9.27M+19.0%	$9.05M+16.8%	$9.04M+17.8%	$9.03M+11.5%
Professional fees	$5.55M+12.2%	$5.83M+20.3%	$5.94M+22.0%	$5.02M+10.0%	$4.95M+2.0%
Depreciation and amortization	$3.35M+58.6%	$3.36M+61.6%	$3.43M+66.3%	$3.04M+42.6%	$2.11M-2.6%
Provision for credit losses	$6.86M-15.9%	$6.23M+409%	$6.4M+5.2%	$4.43M-21.3%	$8.16M+22.1%
Acquisition and integration costs	$0-100%	$0-100%	$1.13M+107%	$17.18M—	$1.22M—
Other operating expenses	$6.35M+2.0%	$9.27M+18.9%	$7.89M+29.1%	$8.22M+48.9%	$6.22M-0.2%
Total noninterest expense	$112.23M+12.3%	$111.69M+10.8%	$111.14M+16.1%	$122.61M+36.9%	$99.9M+8.9%
Interest expense	$48.3M+2.4%	$53.1M+2.9%	$55.8M+2.3%	$53.36M-0.4%	$47.18M-8.9%
Interest income	$161.1M+16.7%	$166.05M+17.7%	$169.3M+19.2%	$158.91M+16.3%	$138.05M+3.7%
Net investment gains (losses)	$442K+525%	$142K-94.3%	-$2K-100%	$112K+222%	-$104K-3.0%
Income before income taxes	6,667,500,000%+1,945,400,000%	21,944,400,000%+3,998,600,000%	7,182,500,000%+2,304,700,000%	3,070,700,000%-1,121,200,000%	4,722,100,000%+400,700,000%
Income tax expense	$15.53M+48.3%	$14.18M+48.6%	$17.35M+62.5%	$8.2M-10.9%	$10.48M+11.6%
Net income	$51.14M+39.2%	$55.51M+54.2%	$54.47M+43.0%	$22.51M-31.2%	$36.75M+8.6%
Diluted earnings per share	$0.98+27.3%	$1.07+40.8%	$1.03+28.7%	$0.44-36.2%	$0.77+8.5%
Basic earnings per share	$0.98+25.6%	$1.07+40.8%	$1.04+28.4%	$0.45-34.8%	$0.78+8.3%
Weighted-average shares, diluted	52.1M+10.3%	——	52.4M+11.1%	50.6M+7.2%	47.2M+0.2%
Weighted-average shares, basic	52.1M+10.3%	——	52.4M+11.1%	50.6M+7.2%	47.2M+0.2%
Asset management and service fees	$4.48M-5.9%	$3.92M+0.9%	$5.26M+7.1%	$4.1M+6.5%	$4.76M+8.5%
Gain on retained interest in Sandisk	$442K+525%	——	-$2K-100%	$147K+260%	-$104K-3.0%
Impairment of strategic investments	$0—	——	$0—	$0—	$0—
Accretion (Amortization) of Discounts and Premiums, Investments	-$149K+73.0%	——	-$302K+51.4%	-$365K+43.7%	-$552K+16.0%
Amortization Of Financing Costs	$0-100%	——	——	$90K-18.2%	$109K0.0%
Amortization of capitalized software and acquired intangible assets	$3.35M+58.6%	$3.36M+61.6%	$3.43M+66.3%	$3.04M+42.6%	$2.11M-2.6%
Bank Owned Life Insurance Income	$2.66M-21.7%	$3.58M+57.5%	$3.24M+73.4%	$2.18M+18.9%	$3.4M+44.4%
Card Services Income	$6.03M+13.4%	$6.21M+9.8%	$6.39M+8.3%	$6.08M+8.8%	$5.32M+2.3%
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect	22,895,600,000%+25,892,900,000%	——	——	——	-2,997,300,000%-14,387,600,000%
Dividends declared (in dollars per share)	$0.37+8.8%	——	$0.37+8.8%	$0.34+6.3%	$0.34+6.3%
Communications And Information Technology	$11.51M+12.4%	$11.8M+15.5%	$11.18M+12.7%	$10.8M+16.8%	$10.24M+5.0%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent	$46.42M-18.6%	——	$65.08M-13.6%	$34.84M+1.6%	$57.03M+88.4%
Debt and Equity Securities, Realized Gain (Loss)	$442K+525%	$142K-36.0%	-$2K-100%	$112K+222%	-$104K-105%
Debt Securities, Available-for-Sale, Realized Loss	$0—	——	$0—	$0—	$0—
Debt Securities Held To Maturity Accrued Interest Receivables Reversed	$0—	$0—	$0—	$0—	$0—
Contributions to benefit plan	$0—	——	$0—	$0—	$0—
Depreciation Nonproduction	$3.45M+16.6%	$3.43M+17.6%	$3.38M+16.9%	$3.24M+12.9%	$2.96M+3.6%
Dividends Cash	$19.24M+19.7%	——	$19.4M+21.0%	$17.81M+18.0%	$16.07M+6.5%
Gain on sale of equity security	$0—	——	$0—	-$35K—	$0—
Equity Securities without Readily Determinable Fair Value, Downward Price Adjustment, Annual Amount	$0—	——	$0—	$0—	$0—
Equity Securities Without Readily Determinable Fair Value Upward Price Adjustment Annual Amount	$0—	——	$0—	$0—	$0—
Equity Securities without Readily Determinable Fair Value, Upward Price Adjustment, Annual Amount	$0—	——	$0—	$0—	$0—
Excess Tax Benefit From Share Based Compensation	$169K-56.0%	——	$243K+386%	$35K+84.2%	$384K+231%
FDIC assessments	201,000,000%+31,600,000%	788,900,000%+112,400,000%	226,200,000%+44,700,000%	182,000,000%+15,300,000%	169,400,000%-4,100,000%
Recoveries	$1.88M+17.4%	——	$2.1M-2.8%	$2.07M+7.4%	$1.6M-20.0%
Financing Receivable Modified Subsequent Default	$0—	——	$0—	$11K-93.6%	——
Financing Receivable, Originated, More than Five Years before Current Fiscal Year, Writeoff	$2.22M-26.9%	$1.07M+136%	$687K-50.5%	$886K+4.1%	$3.03M+284%
Financing Receivable Revolving Converted To Term Loan Writeoff	$0—	$0—	$0—	$0—	$0—
Financing Receivable, Revolving, Writeoff	$0—	$0—	$0—	$0—	$0—
Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff	$1.73M+26.8%	$1.33M+286%	$938K+157%	$794K+197%	$1.37M+263%
Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff	$1.68M-30.0%	$1.92M-45.8%	$2.59M+97.9%	$1.31M-22.3%	$2.4M+32.3%
Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff	$0—	$490K+49.8%	$322K-4.5%	$266K+25.5%	$0—
Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff	$479K-33.7%	$751K-64.2%	$1.19M-35.7%	$693K-67.5%	$722K-76.8%
Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff	$747K+17.8%	$660K+14.2%	$668K-19.6%	$481K+1.1%	$634K+8.2%
Gain Loss On Sale Of Loans And Leases	$58K-58.9%	——	$199K+211%	$172K+438%	$141K+253%
Gains From Calls On Securities Held To Maturity	$0—	——	$0—	$0—	$0—
Gains from sale of other real estate classified as OREO	$60K—	——	$28K—	$83K—	$0—
Income Taxes Paid, Net	$3.28M+82.3%	$8.23M+32.7%	$16K-99.8%	$14.53M+154%	$1.8M-48.6%
Increase (Decrease) in Deposits	$243.77M+50.7%	——	$145.69M-54.0%	——	$161.75M-28.5%
Increase (Decrease) in Other Operating Assets and Liabilities, Net	$13.87M+257%	$25.38M+1,142%	-$15.75M—	$11.07M—	$3.89M-53.3%
Interest and Dividend Income, Operating	$182.65M+18.3%	$188.54M+19.5%	$190.47M+21.9%	$177.58M+17.8%	$154.4M+5.1%
Interest Income, Held-to-maturity	$4.35M-11.5%	$4.4M-10.8%	$4.6M-8.9%	$4.87M-6.2%	$4.91M-7.3%
Interest and Fee Income, Loans and Leases	$161.1M+16.7%	$166.05M+17.7%	$169.3M+19.2%	$158.91M+16.3%	$138.05M+3.7%
Interest Expense, Deposits	$44.84M+5.3%	$49.43M+5.6%	$52.1M+6.1%	$48.22M+3.3%	$42.59M-3.9%
Floating Rate Capital Debt	$1.69M+3.1%	$1.81M+0.9%	$1.89M-1.7%	$1.8M-5.9%	$1.64M-14.3%
Interest Expense Long Term Debt Excluding Junior Subordinated Debentures	$441K+65.8%	$451K+53.9%	$450K+54.1%	$296K+1.7%	$266K-8.3%
Interest Expense, Subordinated Notes and Debentures	$510K-72.0%	$505K-72.2%	$547K-69.8%	$2M+10.8%	$1.82M+1.2%
Interest Income, Available-for-sale	$13.48M+31.4%	$13.08M+49.1%	$12.06M+54.4%	$11.61M+53.5%	$10.26M+44.0%
Interest Income (Expense), after Provision for Loan Loss	$128.77M+29.2%	$131.68M+26.7%	$131.56M+33.2%	$106.39M+20.5%	$99.67M+11.2%
Interest Income (Expense), Operating	$134.35M+25.3%	$135.44M+27.6%	$134.66M+32.5%	$124.22M+27.8%	$107.22M+12.7%
Interest Paid, Excluding Capitalized Interest, Operating Activity	$51.41M+3.8%	$55.22M+5.8%	$60.57M+10.5%	$50.26M-4.9%	$49.54M-10.4%
Loan Collection And Other Real Estate Owned	$610K-7.4%	$781K+15.4%	$719K+28.4%	$489K-31.6%	$659K+19.2%
Loans Purchased With Credit Deterioration	$0—	——	——	——	$0—
Marketing	$918K-19.3%	——	——	——	$1.14M+34.4%
Cash Provided by (Used in) Financing Activity, Including Discontinued Operation	$181.61M+341%	-$183.43M—	——	-$90.9M-596%	$41.19M-54.4%
Cash Provided by (Used in) Investing Activity, Including Discontinued Operation	-$5.69M+95.0%	——	——	$331.9M+284%	-$113.16M-762%
Cash Provided by (Used in) Operating Activity, Including Discontinued Operation	$53.04M+26.3%	$66.15M+34.5%	$80.59M+54.6%	$46.48M-8.0%	$42.01M+14.3%
Noninterest Expense	$112.23M+12.3%	$111.69M+10.8%	$111.14M+16.1%	$122.61M+36.9%	$99.9M+8.9%
Number of reportable segments	20.0%	——	——	——	2+100%
Operating lease right-of-use assets amortization expense	$2.28M+16.4%	$2.25M+17.5%	$2.25M+19.5%	$2.13M+14.4%	$1.96M+4.8%
Unrealized gains (losses) on available-for-sale securities	-$4.74M-124%	——	$10.4M-71.8%	$11.39M+823%	$20.04M+614%
Other comprehensive income/(loss)	-$4.72M-123%	——	$10.61M-71.5%	$12.33M+684%	$20.29M+670%
Other Comprehensive (Income) Loss, Defined Benefit Plan, after Reclassification Adjustment, after Tax	-$24K+90.1%	——	-$206K+41.6%	-$932K-176%	-$243K+28.3%
Other Comprehensive Income Loss Reclassification Adjustment From AOCI Pension And Other Postretirement Benefit Plans Tax	$8K-90.1%	——	$69K-41.5%	$77K-78.8%	$81K-28.3%
Other Comprehensive Income Loss Reclassification Adjustment From AOCI Pension And Other Postretirement Benefit Plans Before Tax	$32K-90.1%	——	$275K-41.6%	$307K-78.8%	$324K-28.3%
Other Comprehensive Income Loss Reclassification Adjustment From AOCI Pension And Other Postretirement Benefit Plans Net Of Tax	$24K-90.1%	——	$206K-41.6%	$230K-78.9%	$243K-28.3%
Other Comprehensive Income Loss Transfers From Available For Sale To Held To Maturity Securities Tax	$15K-21.1%	——	$17K-19.0%	$17K-26.1%	$19K-20.8%
Other Comprehensive Income Loss Transfers From Available For Sale To Held To Maturity Securities Before Tax	$58K-22.7%	——	$68K-21.8%	$70K-23.1%	$75K-21.9%
Other Comprehensive Income Loss Transfers From Available For Sale To Held To Maturity Securities Net Of Tax	$43K-23.2%	——	$51K-22.7%	$53K-22.1%	$56K-22.2%
Tax expense (benefit) of unrealized gains/losses on available for sale securities still held	-$1.6M-124%	——	$3.45M-71.9%	$3.78M+872%	$6.66M+604%
Net unrealized gains (losses) on securities still held	-$4.79M-124%	——	$10.35M-71.8%	$11.34M+872%	$19.99M+604%
Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax	-$6.38M-124%	——	$13.8M-71.8%	$15.12M+872%	$26.65M+604%
Other Interest And Dividend Income	$3.71M+216%	$5.02M+71.3%	$4.51M+226%	$2.19M+55.3%	$1.18M-13.8%
Payments For Origination Of Mortgage Loans Held For Sale	$1.17M-98.7%	$8.25M-88.9%	$35.03M+2.0%	$79.97M+227%	$87.85M+229%
Payments For Proceeds From Loans And Leases	-$45.97M-382%	——	-$25.22M-145%	——	$16.33M-61.4%
Payments for Repurchase of Common Stock	$11.01M—	$10.19M—	$0—	$0-100%	$0-100%
Payments of Ordinary Dividends, Common Stock	$19.24M+19.7%	$19.32M+20.4%	$19.4M+21.0%	$17.81M+18.0%	$16.07M+6.5%
Payment, Tax Withholding, Share-Based Payment Arrangement	$1.63M-23.1%	$0-100%	$2.21M+816%	$93K+14.8%	$2.11M+62.5%
Payments to Acquire Debt Securities, Available-for-Sale	$132.81M-4.8%	$132.1M-16.1%	$140.5M+105%	$62.73M+32.6%	$139.53M+609%
Payments to Acquire Businesses, Net of Cash Acquired	$488K-68.5%	——	——	-$40.15M—	$1.55M+109%
Payments To Acquire Federal Reserve Bank Stock And Federal Home Loan Bank Stock	$118K-99.0%	——	$3.89M-78.5%	$15.02M—	$11.98M—
Payments to Acquire Held-to-Maturity Securities	$14M-26.2%	$23.27M+106%	$23.3M+92.1%	$26.21M-50.3%	$18.96M+168%
Payments to Acquire Productive Assets	$4.42M+19.5%	$4.03M+11.0%	$6.24M+44.9%	$2.33M+69.0%	$3.7M+52.6%
Pro Forma Weighted Average Shares Outstanding Diluted	52.4M+10.3%	——	52.6M+10.9%	50.8M+7.2%	47.5M+0.2%
Proceeds from Life Insurance Policy	$995K-77.0%	$3.52M+344%	$3.57M—	$0—	$4.33M+612%
Proceeds from Maturities, Prepayments and Calls of Held-to-Maturity Securities	$27.85M+12.7%	$31.68M+37.8%	$61.27M+71.3%	$56.55M-12.2%	$24.71M+16.9%
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-Sale	$70.95M+96.9%	$95.81M+44.5%	$70.52M+48.8%	$54.15M+95.8%	$36.03M+35.7%
Proceeds from (Repayments of) Short-Term Debt	-$30.26M+60.9%	——	——	-$15.63M+63.2%	-$77.35M+35.3%
Proceeds From Sale Of Federal Reserve Stock And Federal Home Loan Bank Stock	$35K-99.7%	——	$48K-99.7%	$16.4M—	$13.82M—
Proceeds From Sale Of Loans Held For Sale	$2.15M-97.4%	$10.78M-84.3%	$35.06M+3.7%	$90.01M+266%	$83.4M+208%
Proceeds from the sale of for-sale condominiums, net of selling costs	$350K—	——	$134K—	$135K—	$0—
Total provisions for credit losses	$5.58M-26.2%	$3.77M+70.4%	$3.1M+6.2%	$17.84M+100%	$7.55M+35.4%
Repayments Of Other Long Term Debt	$27K-99.9%	$1.55M+3,968%	$40K+2.6%	$39K+2.6%	$25.04M+67,573%
Retirement Plan Administration Fees	$16.57M+4.5%	$14.1M+9.1%	$15.91M+9.2%	$15.71M+6.2%	$15.86M+11.0%
Service Charges On Deposit Accounts	$5.27M+24.2%	$5.15M+16.7%	$5.1M+17.5%	$4.58M+8.5%	$4.24M+3.1%
Stock-based compensation	$3.37M+55.0%	$647K-22.7%	$1.59M+64.6%	$873K-54.2%	$2.17M-4.8%
Stock Issued During Period Shares Employee Benefit Plans And Other Stock Plans	56.7K-6.9%	——	71.4K+523%	13.2K-17.7%	60.9K+29.5%
Stock Issued During Period Value Employee Benefit Plans And Other Stock Plans	-$1.36M+61.2%	——	$718K+499%	-$276K+26.6%	-$3.5M-110%
Shares Issued, Value, Share-Based Payment Arrangement, after Forfeiture	$3.37M+55.0%	——	$1.59M+64.6%	$873K-54.2%	$2.17M-4.8%
Supplies And Postage Expense	$2.17M+11.6%	$2.21M+5.2%	$2.07M+18.1%	$1.87M+3.7%	$1.94M+4.1%
Number of shares purchased (in shares)	$250K—	——	——	——	——
Treasury stock, value, acquired	$11.01M—	——	——	——	——
Wealth Management	$11.13M+1.7%	$12.03M+10.9%	$11.1M+1.6%	$10.68M+5.0%	$10.95M+12.9%
Add: dilutive effect of potential common shares (in shares)	$230K-1.3%	——	$217K-27.9%	$212K-5.8%	$233K+5.0%

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Questions, answered.

What is NBT Bancorp's revenue?: NBT Bancorp (NBTB) generated $726.8M in revenue over the trailing twelve months, up 23.0% year over year.
Is NBT Bancorp profitable?: NBT Bancorp reported $183.6M in net income over the trailing twelve months, a 25.3% net margin.
What is NBT Bancorp's earnings per share?: NBT Bancorp's diluted EPS over the trailing twelve months is $3.52.
Where does NBT Bancorp's income statement data come from?: Every line is extracted from NBT Bancorp's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.