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NBT Bancorp NBTB Banking — Provision For Loan Losses Expensed

Other segment segments

All Other Segments
$0
Retirement Plan Administration
$0

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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:ProvisionForLoanLossesExpensed.

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 — provision for loan losses expensed?
NBT Bancorp (NBTB) reported banking — provision for loan losses expensed of $5.58M in Q1 2026.
How has NBT Bancorp's banking — provision for loan losses expensed changed year-over-year?
NBT Bancorp's banking — provision for loan losses expensed decreased by 26.2% year-over-year, from $7.55M to $5.58M.
What is the long-term trend for NBT Bancorp's banking — provision for loan losses expensed?
Over 3 years (2022 to 2025), NBT Bancorp's banking — provision for loan losses expensed has grown at a 23.4% compound annual growth rate (CAGR), from $17.15M to $32.25M.
What does banking — provision for loan losses expensed mean?
This is an income statement charge representing the amount set aside to cover potential future losses from the loan portfolio. It reflects management's assessment of credit risk and the overall health of the bank's lending activities.