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NBT Bancorp NBTB Banking — Occupancy Net

Other segment segments

Retirement Plan Administration
$224K-21.1%
All Other Segments
$68K+1.5%

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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

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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:OccupancyNet.

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
Noninterest expense
Salaries and employee benefits$69,004$64,155$137,763$124,849
Technology and data services11,85010,80423,36021,042
Occupancy9,4759,03820,48518,065
Professional fees and outside services5,6625,02111,2169,973
Office supplies and postage2,0601,8714,2273,813
FDIC assessment1,9841,8203,9943,514
Marketing9379741,8552,112

Item 1. FINANCIAL STATEMENTS (Unaudited) FINANCIAL STATEMENTS

FAQ

What is NBT Bancorp's banking — occupancy net?
NBT Bancorp (NBTB) reported banking — occupancy net of $9.18M in Q2 2026.
How has NBT Bancorp's banking — occupancy net changed year-over-year?
NBT Bancorp's banking — occupancy net increased by 5.7% year-over-year, from $8.69M to $9.18M.
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.

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