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NBT Bancorp NBTB Retirement Plan Administration — Interest Income Expense Net

Other segment segments

Banking
$136.94M+10.3%
All Other Segments
$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:InterestIncomeExpenseNet.

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
Subordinated debt6112,0011,1213,823
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

Item 1. FINANCIAL STATEMENTS (Unaudited) FINANCIAL STATEMENTS

FAQ

What is NBT Bancorp's retirement plan administration — interest income expense net?
NBT Bancorp (NBTB) reported retirement plan administration — interest income expense net of $19K in Q2 2026.
How has NBT Bancorp's retirement plan administration — interest income expense net changed year-over-year?
NBT Bancorp's retirement plan administration — interest income expense net increased by 5.6% year-over-year, from $18K to $19K.
What is the long-term trend for NBT Bancorp's retirement plan administration — interest income expense net?
Over 3 years (2022 to 2025), NBT Bancorp's retirement plan administration — interest income expense net has grown at a 88.8% compound annual growth rate (CAGR), from $11K to $74K.
What does retirement plan administration — interest income expense net mean?
This metric represents the net interest result for the retirement plan administration segment, calculated as interest income earned on segment-related assets minus interest expenses incurred. It reflects the profitability of the segment's interest-bearing activities independent of its fee-based services.

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