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NBT Bancorp NBTB Banking — Occupancy Net

Other segment segments

Retirement Plan Administration
$245K-8.6%
All Other Segments
$70K+4.5%

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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$2.5B+9.7%
Enterprise value$1.9B-12.6%
P/E13.6×-2.3×
P/S3.4×-0.4×

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:OccupancyNet.

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 — occupancy net?
NBT Bancorp (NBTB) reported banking — occupancy net of $10.7M in Q1 2026.
How has NBT Bancorp's banking — occupancy net changed year-over-year?
NBT Bancorp's banking — occupancy net increased by 23.0% year-over-year, from $8.69M to $10.7M.
What is the long-term trend for NBT Bancorp's banking — occupancy net?
Over 3 years (2022 to 2025), NBT Bancorp's banking — occupancy net has grown at a 11.9% compound annual growth rate (CAGR), from $25.07M to $35.08M.
What does banking — occupancy net mean?
This metric measures the net costs associated with maintaining physical branch locations and corporate offices, including rent, utilities, maintenance, and depreciation of facilities. It provides insight into the bank's physical footprint strategy and the cost-efficiency of its branch network.