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NBT Bancorp NBTB Net Interest Income

Net Interest Income at other companies

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JPMorgan ChaseJPM
$25.37B+9.0%
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M&T BankMTB
$1.75B+3.4%
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KeyCorpKEY
$1.22B+11.5%
Community Financial System logo
Community Financial SystemCBU
$134.71M+12.1%
F.N.B. Corporation logo
F.N.B. CorporationFNB
$359M+11.1%
Nicolet Bankshares logo
Nicolet BanksharesNIC
$109.56M+53.9%

Segments

By segment

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Banking$134.33M+25.3%
Retirement Plan Administration$17K-5.6%
All Other Segments$0

Other financials

Income statement

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Revenue$184.5M+19.3%
Net income$51.1M+39.2%
EPS (diluted)$0.98+27.3%

Balance sheet

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Cash & equivalents$716.1M+182%
Total debt$117.8M+37.6%
Total equity$1.9B+22.3%
Total assets$16.2B+16.9%

Cash flow

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Operating cash flow$53.0M+26.3%
CapEx$4.4M+19.5%
Free cash flow$48.6M+26.9%

Valuation

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Market cap$2.5B+9.7%
Enterprise value$1.9B-12.6%
P/E13.6×-2.3×
P/S3.4×-0.4×

Profitability

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Net margin25.3%+1.0pp
FCF margin31.5%+0.9pp

Returns & leverage

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Return on equity10.6%+1.0pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by NBT Bancorp in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The official record: NBT Bancorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is NBT Bancorp's net interest income?
NBT Bancorp (NBTB) reported net interest income of $134.35M in Q1 2026.
How has NBT Bancorp's net interest income changed year-over-year?
NBT Bancorp's net interest income increased by 25.3% year-over-year, from $107.22M to $134.35M.
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.