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NBT Bancorp NBTB Loans Purchased With Credit Deterioration

Loans Purchased With Credit Deterioration at other companies

PRA Group logo
PRA GroupPRAA
$296.57M-14.4%
PRA Group logo
PRA GroupPRAA
$296.57M-14.4%
Customers Bancorp logo
Customers BancorpCUBI
$118.6M+8.5%
Customers Bancorp logo
Customers BancorpCUBI
$118.6M+8.5%
Origin Bancorp logo
Origin BancorpOBK
-$77K-267%
Origin Bancorp logo
Origin BancorpOBK
-$77K-267%

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$2.77B+29.5%
Enterprise value$2.79B+63.3%
P/E12.9×-3.1×
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 nbtb:LoansPurchasedWithCreditDeterioration.

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

There were no loans purchased with credit deterioration during the three and six months ended June 30, 2026. There were $336.4 million of PCD loans acquired from Evans during the year ended December 31, 2025, which resulted in an allowance for credit losses at acquisition of $7.7 million. During six months ended June 30, 2026, the Company purchased $7.7 million of residential loans at a 4.5% premium with an $82 thousand allowance for credit losses recorded for these loans. During 2025, the Company purchased $21.3 million of residential loans at a 4.5% premium with a $234 thousand allowance for credit losses recorded for these loans.

Item 1. FINANCIAL STATEMENTS (Unaudited) FINANCIAL STATEMENTS

FAQ

What is NBT Bancorp's loans purchased with credit deterioration?
NBT Bancorp (NBTB) reported loans purchased with credit deterioration of $0 in Q2 2026.
What does loans purchased with credit deterioration mean?
Loans Purchased With Credit Deterioration as reported by NBT Bancorp Inc.

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