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NBT Bancorp NBTB All Other Segments — Provision For Loan Losses Expensed

Other segment segments

Banking
$6.14M-65.6%
Retirement Plan Administration
$0

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$459K-85.3%

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:ProvisionForLoanLossesExpensed.

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
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
Card services income6,6136,07712,64111,394

Item 1. FINANCIAL STATEMENTS (Unaudited) FINANCIAL STATEMENTS

FAQ

What is NBT Bancorp's all other segments — provision for loan losses expensed?
NBT Bancorp (NBTB) reported all other segments — provision for loan losses expensed of $0 in Q2 2026.
What does all other segments — provision for loan losses expensed mean?
Reflects the non-cash expense set aside by the 'All Other Segments' unit to cover anticipated credit losses within its specific loan portfolio. It serves as a critical indicator of the segment's credit risk management and the perceived quality of its underlying assets.

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