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NBT Bancorp NBTB Retirement Plan Administration — Intangible Amortization

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$2.73M+9.2%
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$54K-5.3%

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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:AmortizationOfIntangibleAssets.

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
Office supplies and postage2,0601,8714,2273,813
FDIC assessment1,9841,8203,9943,514
Marketing9379741,8552,112
Amortization of intangible assets3,1913,0426,5395,153
Loan collection and other real estate owned, net5444891,1541,148
Acquisition expenses-17,180-18,401
Other6,7318,21613,07714,440
Total noninterest expense$111,438$122,610$223,670$222,510

Item 1. FINANCIAL STATEMENTS (Unaudited) FINANCIAL STATEMENTS

FAQ

What is NBT Bancorp's retirement plan administration — intangible amortization?
NBT Bancorp (NBTB) reported retirement plan administration — intangible amortization of $408K in Q2 2026.
How has NBT Bancorp's retirement plan administration — intangible amortization changed year-over-year?
NBT Bancorp's retirement plan administration — intangible amortization decreased by 15.9% year-over-year, from $485K to $408K.
What is the long-term trend for NBT Bancorp's retirement plan administration — intangible amortization?
Over 3 years (2022 to 2025), NBT Bancorp's retirement plan administration — intangible amortization has grown at a 6.7% compound annual growth rate (CAGR), from $1.62M to $1.97M.
What does retirement plan administration — intangible amortization mean?
This represents the non-cash expense related to the systematic write-down of intangible assets, such as acquired client lists or customer relationships, associated with the retirement plan administration segment. It reflects the accounting allocation of costs from past business acquisitions over their useful lives.

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