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NBT Bancorp NBTB Banking — Provision For Loan Losses Expensed

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$0
Retirement Plan Administration
$0

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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:ProvisionForLoanLossesExpensed.

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
Junior subordinated debt1,6981,7953,3883,434
Total interest expense$48,798$53,357$97,096$100,538
Net interest income$136,963$124,220$271,311$231,443
Provision for loan losses6,13617,83511,71325,389
Net interest income after provision for loan losses$130,827$106,385$259,598$206,054
Noninterest income
Service charges on deposit accounts$5,194$4,578$10,462$8,821
Card services income6,6136,07712,64111,394

Item 1. FINANCIAL STATEMENTS (Unaudited) FINANCIAL STATEMENTS

FAQ

What is NBT Bancorp's banking — provision for loan losses expensed?
NBT Bancorp (NBTB) reported banking — provision for loan losses expensed of $6.14M in Q2 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 65.6% year-over-year, from $17.84M to $6.14M.
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.

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