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NBT Bancorp NBTB Banking — Card Services Income

Other segment segments

All Other Segments
$0—
Retirement Plan Administration
$0—

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Other financials

Income statement

See full
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

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, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six 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 income6,6136,07712,64111,394
Retirement plan administration fees16,92815,71033,49431,568
Wealth management10,94810,67822,08221,624
Insurance services4,1774,0978,6598,858
Bank owned life insurance income2,5052,1805,1645,577

Item 1. FINANCIAL STATEMENTS (Unaudited) FINANCIAL STATEMENTS

FAQ

What is NBT Bancorp's banking — card services income?
NBT Bancorp (NBTB) reported banking — card services income of $6.61M in Q2 2026.
How has NBT Bancorp's banking — card services income changed year-over-year?
NBT Bancorp's banking — card services income increased by 8.8% year-over-year, from $6.08M to $6.61M.
What is the long-term trend for NBT Bancorp's banking — card services income?
Over 3 years (2022 to 2025), NBT Bancorp's banking — card services income has grown at a -6.2% compound annual growth rate (CAGR), from $29.06M to $23.99M.
What does banking — card services income mean?
This reflects income earned from credit and debit card processing, interchange fees, and related cardholder services. It serves as a recurring, transaction-based revenue stream that diversifies the bank's income beyond traditional interest margins.

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