NBT Bancorp (NBTB) Retirement Plan Administration — Service Charges On Deposit Accounts — Quarterly & Annual

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Other segment segments

Banking

$5.19M+13.5%

All Other Segments

$0—

Similar metrics at other companies

CZFSService Charges On Deposit Accounts Other — Service Charges On Deposit Accounts

$93K-1.1%

TCBSService Charges On Deposit Accounts

$180K+9.1%

HFBLService Charges On Deposit Accounts

$424K+11.0%

UMBFService Charges On Deposit Accounts

$29.59M+2.5%

CCNEService Charges On Deposit Accounts

$2.01M+21.4%

CZFSService Charges On Deposit Accounts

$1.39M+6.5%

Other financials

Income statement

Revenue$186.7M+9.1%

Net income$53.0M+136%

EPS (diluted)$1.02+132%

Balance sheet

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

Operating cash flow$61.9M+33.2%

CapEx$1.4M-41.6%

Free cash flow$60.5M+37.1%

Valuation

Market cap$2.75B+28.7%

Enterprise value$2.77B+62.3%

P/E12.9×-3.2×

P/S3.7×+0.3×

Profitability

Net margin28.8%+7.4pp

FCF margin33.1%+4.8pp

Returns & leverage

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 nbtb:ServiceChargesOnDepositAccounts.

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, 2026	Three Months Ended / June 30, 2025	Six Months Ended / June 30, 2026	Six Months Ended / June 30, 2025
Provision for loan losses	6,136	17,835	11,713	25,389
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 income	6,613	6,077	12,641	11,394
Retirement plan administration fees	16,928	15,710	33,494	31,568
Wealth management	10,948	10,678	22,082	21,624
Insurance services	4,177	4,097	8,659	8,858

Item 1. FINANCIAL STATEMENTS (Unaudited) FINANCIAL STATEMENTS

FAQ

What is NBT Bancorp's retirement plan administration — service charges on deposit accounts?: NBT Bancorp (NBTB) reported retirement plan administration — service charges on deposit accounts of $0 in Q2 2026.
What does retirement plan administration — service charges on deposit accounts mean?: This represents revenue generated from fees charged to clients for maintaining deposit accounts within the retirement plan administration segment. It serves as a recurring, non-interest income stream derived from banking services provided to plan participants or sponsors.

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