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NBT Bancorp NBTB Interest Income

Interest Income at other companies

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$2.62B+27.6%
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$5M-44.4%
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$157.53M+7.5%
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Northwest BancsharesNWBI
$182.47M+17.8%
HBT
HBT Financial, Inc.HBT
$73.67M+38.6%

Other financials

Income statement

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Revenue$186.7M+9.1%
Net income$53.0M+136%
EPS (diluted)$1.02+132%

Balance sheet

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Cash & equivalents$294.7M-45.6%
Total debt$316.4M+180%
Total equity$1.9B+7.7%
Total assets$16.2B+1.2%

Cash flow

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Operating cash flow$61.9M+33.2%
CapEx$1.4M-41.6%
Free cash flow$60.5M+37.1%

Valuation

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Market cap$2.75B+28.7%
Enterprise value$2.77B+62.3%
P/E12.9×-3.2×
P/S3.7×+0.3×

Profitability

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Net margin28.8%+7.4pp
FCF margin33.1%+4.8pp

Returns & leverage

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Return on equity11.4%+3.3pp
Debt / equity0.2×+0.1×

Where this comes from

Reported directly by NBT Bancorp in its filing.

Tagged under the XBRL concept us-gaap:InterestAndFeeIncomeLoansAndLeases.

The source filing: NBT Bancorp’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 4:04 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001140361-26-031820
(In thousands, except per share data)Three Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Interest, fee and dividend income
Interest and fees on loans$163,764$158,912$324,866$296,964
Securities available for sale14,77011,60928,25221,871
Securities held to maturity4,4264,8708,7769,784
Other2,8012,1866,5133,362
Total interest, fee and dividend income$185,761$177,577$368,407$331,981
Interest expense
Deposits$44,879$48,219$89,714$90,807

Item 1. FINANCIAL STATEMENTS (Unaudited) FINANCIAL STATEMENTS

FAQ

What is NBT Bancorp's interest income?
NBT Bancorp (NBTB) reported interest income of $163.76M in Q2 2026.
How has NBT Bancorp's interest income changed year-over-year?
NBT Bancorp's interest income increased by 3.1% year-over-year, from $158.91M to $163.76M.
What is the long-term trend for NBT Bancorp's interest income?
Over 4 years (2021 to 2025), NBT Bancorp's interest income has grown at a 20.3% compound annual growth rate (CAGR), from $302.18M to $632.31M.
What does interest income mean?
Income earned from interest-bearing assets including cash deposits, money market funds, treasury securities, corporate bonds, and customer financing receivables.

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