What is NBT Bancorp's all other segments — card services income?

NBT Bancorp (NBTB) reported all other segments — card services income of $0 in Q2 2026.

What does all other segments — card services income mean?

Represents the revenue earned by the segment through credit and debit card processing, interchange fees, and related cardholder services. It highlights the segment's participation in the payments ecosystem and its ability to generate recurring non-interest income.

NBT Bancorp (NBTB) All Other Segments — Card Services Income

Screener

Other segment segments

Banking

$6.61M+8.8%

Retirement Plan Administration

$0—

Similar metrics at other companies

JPMAll other — Card income

-$253M+45.6%

MBLYAll Other Segments — Segment Income Loss

-$1M+50.0%

BOTJAll Other Segments — Other Income

$2.41M+12.2%

SRPTAll Other Segments — Other Segment Items

-$709K+46.0%

THAll Other Segments — Cost Community Services

$1.57M+3.8%

THGAll Other Segments — Insurance Services Revenue

$3.8M+15.2%

Other financials

Income statement

See full

Revenue$186.7M+9.1%

Net income$53.0M+136%

EPS (diluted)$1.02+132%

Balance sheet

See full

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

See full

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

See full

Net margin28.8%+7.4pp

FCF margin33.1%+4.8pp

Returns & leverage

See full

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:CardServicesIncome.

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, 2026	Three Months Ended / June 30, 2025	Six Months Ended / June 30, 2026	Six Months Ended / June 30, 2025
Net interest income after provision for loan losses	$130,827	$106,385	$259,598	$206,054
Noninterest income
Service charges on deposit accounts	$5,194	$4,578	$10,462	$8,821
Card services income	6,613	6,077	12,641	11,394
Retirement plan administration fees	16,928	15,710	33,494	31,568
Wealth management	10,948	10,678	22,082	21,624
Insurance services	4,177	4,097	8,659	8,858
Bank owned life insurance income	2,505	2,180	5,164	5,577

Item 1. FINANCIAL STATEMENTS (Unaudited) FINANCIAL STATEMENTS

FAQ

What is NBT Bancorp's all other segments — card services income?: NBT Bancorp (NBTB) reported all other segments — card services income of $0 in Q2 2026.
What does all other segments — card services income mean?: Represents the revenue earned by the segment through credit and debit card processing, interchange fees, and related cardholder services. It highlights the segment's participation in the payments ecosystem and its ability to generate recurring non-interest income.