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NBT Bancorp NBTB Banking — Net Income Loss

Other segment segments

Retirement Plan Administration
$5.49M+14.0%
All Other Segments
$1.04M-2.4%

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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

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 us-gaap:NetIncomeLoss.

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
Other6,7318,21613,07714,440
Total noninterest expense$111,438$122,610$223,670$222,510
Income before income tax expense$69,116$30,707$135,791$77,928
Income tax expense16,0868,19731,61918,673
Net income$53,030$22,510$104,172$59,255
Earnings per share
Basic$1.02$0.45$2.00$1.21
Diluted$1.02$0.44$1.99$1.21

Item 1. FINANCIAL STATEMENTS (Unaudited) FINANCIAL STATEMENTS

FAQ

What is NBT Bancorp's banking — net income loss?
NBT Bancorp (NBTB) reported banking — net income loss of $46.5M in Q2 2026.
How has NBT Bancorp's banking — net income loss changed year-over-year?
NBT Bancorp's banking — net income loss increased by 179.7% year-over-year, from $16.62M to $46.5M.
What is the long-term trend for NBT Bancorp's banking — net income loss?
Over 3 years (2022 to 2025), NBT Bancorp's banking — net income loss has grown at a 2.5% compound annual growth rate (CAGR), from $134.54M to $144.73M.
What does banking — net income loss mean?
The final bottom-line profit or loss generated by the banking segment after all operating expenses, taxes, and non-operating items are accounted for. It is the ultimate measure of the segment's financial performance and contribution to the parent company.

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