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NBT Bancorp NBTB Net Interest Income

Net Interest Income at other companies

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JPMorgan ChaseJPM
$25.51B+9.9%
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M&T BankMTB
$1.79B+4.6%
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$1.25B+9.6%
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$139.14M+11.5%
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Northwest BancsharesNWBI
$146.94M+23.0%
HBT
HBT Financial, Inc.HBT
$69.06M+39.1%

Segments

By segment

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Banking$136.94M+10.3%
Retirement Plan Administration$19K+5.6%
All Other Segments$0

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 net interest income?
NBT Bancorp (NBTB) reported net interest income of $136.96M in Q2 2026.
How has NBT Bancorp's net interest income changed year-over-year?
NBT Bancorp's net interest income increased by 10.3% year-over-year, from $124.22M to $136.96M.
What is the long-term trend for NBT Bancorp's net interest income?
Over 4 years (2021 to 2025), NBT Bancorp's net interest income has grown at a 11.8% compound annual growth rate (CAGR), from $321.09M to $501.55M.
What does net interest income mean?
This is the difference between the interest earned on assets and the interest paid on liabilities, representing the core profitability of the bank's lending and deposit-taking activities. It is the primary driver of revenue for most financial institutions and reflects the effectiveness of asset-liability management. Investors use this to gauge the bank's ability to generate profit from its core banking operations.

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