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

NBT Bancorp (NBTB) reported all other segments — card services income of $0 in Q1 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

Other segment segments

Banking

$6.03M+13.4%

Retirement Plan Administration

$0—

Similar metrics at other companies

EFSCCard services revenue — Total noninterest income

$2.54M+5.8%

JPMOther Productsand Services — Card income

-$442M-11.3%

KEYCards and payments income

$86M+4.9%

FBPCard And Processing Income

$11.76M+2.5%

FFBCBankcard income

$3.58M+8.2%

BANFAll Other Segments — Noninterest Income

$17.7M+6.2%

Other financials

Income statement

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Revenue$184.5M+19.3%

Net income$51.1M+39.2%

EPS (diluted)$0.98+27.3%

Balance sheet

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Cash & equivalents$716.1M+182%

Total debt$117.8M+37.6%

Total equity$1.9B+22.3%

Total assets$16.2B+16.9%

Cash flow

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Operating cash flow$53.0M+26.3%

CapEx$4.4M+19.5%

Free cash flow$48.6M+26.9%

Valuation

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Market cap$2.5B+9.7%

Enterprise value$1.9B-12.6%

P/E13.6×-2.3×

P/S3.4×-0.4×

Profitability

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Net margin25.3%+1.0pp

FCF margin31.5%+0.9pp

Returns & leverage

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Return on equity10.6%+1.0pp

Debt / equity0.1×0.0×

Where this comes from

Reported directly by NBT Bancorp in its filing.

Tagged under the XBRL concept nbtb:CardServicesIncome.

The official record: NBT Bancorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is NBT Bancorp's all other segments — card services income?: NBT Bancorp (NBTB) reported all other segments — card services income of $0 in Q1 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.