What is the long-term trend for NBT Bancorp's banking — insurance agency management fee?

Over 3 years (2022 to 2025), NBT Bancorp's banking — insurance agency management fee has grown at a -20.6% compound annual growth rate (CAGR), from $2K to $1K.

What does banking — insurance agency management fee mean?

This represents income derived from managing or operating insurance agency services. It reflects the bank's diversification into non-banking financial services to generate stable, fee-based revenue.

NBT Bancorp NBTB Banking — Insurance Agency Management Fee

Other segment segments

All Other Segments

$4.48M-5.9%

Retirement Plan Administration

$0—

Similar metrics at other companies

FRHCInsurance — Agency fee income

$0+100%

SKWDManaging agents fees — Underwriting fee income

$3.53M—

FRHCBank — Agency fee income

$7K—

FRHCInsurance — Agency fee expense

$5.67M-92.0%

HIGInvestment management and other fees — Insurance Commissions and Fees

$10M-9.1%

PFSAsset management and service fees

$6.85M+21.2%

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$2.53B+9.7%

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 us-gaap:InsuranceAgencyManagementFee.

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 banking — insurance agency management fee?: NBT Bancorp (NBTB) reported banking — insurance agency management fee of $0 in Q1 2026.
What is the long-term trend for NBT Bancorp's banking — insurance agency management fee?: Over 3 years (2022 to 2025), NBT Bancorp's banking — insurance agency management fee has grown at a -20.6% compound annual growth rate (CAGR), from $2K to $1K.
What does banking — insurance agency management fee mean?: This represents income derived from managing or operating insurance agency services. It reflects the bank's diversification into non-banking financial services to generate stable, fee-based revenue.