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NBT Bancorp NBTB All Other Segments — Interest Income Expense Net

Other segment segments

Banking
$136.94M+10.3%
Retirement Plan Administration
$19K+5.6%

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CHE
CHESegment Vitas — Interest Income Expense Net
$6.24M+17.8%

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

See full
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:InterestIncomeExpenseNet.

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
Subordinated debt6112,0011,1213,823
Junior subordinated debt1,6981,7953,3883,434
Total interest expense$48,798$53,357$97,096$100,538
Net interest income$136,963$124,220$271,311$231,443
Provision for loan losses6,13617,83511,71325,389
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

Item 1. FINANCIAL STATEMENTS (Unaudited) FINANCIAL STATEMENTS

FAQ

What is NBT Bancorp's all other segments — interest income expense net?
NBT Bancorp (NBTB) reported all other segments — interest income expense net of $0 in Q2 2026.
What does all other segments — interest income expense net mean?
Represents the net interest margin generated by the 'All Other Segments' business unit after accounting for interest income from assets and interest expense on liabilities. This metric isolates the core lending and funding profitability of this specific segment, excluding non-interest revenue streams.

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