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NBT Bancorp NBTB Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

M&T Bank logo
M&T BankMTB
$1.61B+3.0%
KeyCorp logo
KeyCorpKEY
$1.12B+14.1%
Community Financial System logo
Community Financial SystemCBU
$129.08M+13.7%
Nicolet Bankshares logo
Nicolet BanksharesNIC
$103.51M+48.5%
Old National Bancorp logo
Old National BancorpONB
$537.63M+50.9%
JPMorgan Chase logo
JPMorgan ChaseJPM

Segments

By segment

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Banking$128.75M+29.2%
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:InterestIncomeExpenseAfterProvisionForLoanLoss.

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 (after provisions)?
NBT Bancorp (NBTB) reported net interest income (after provisions) of $128.77M in Q1 2026.
How has NBT Bancorp's net interest income (after provisions) changed year-over-year?
NBT Bancorp's net interest income (after provisions) increased by 29.2% year-over-year, from $99.67M to $128.77M.
What is the long-term trend for NBT Bancorp's net interest income (after provisions)?
Over 4 years (2021 to 2025), NBT Bancorp's net interest income (after provisions) has grown at a 9.3% compound annual growth rate (CAGR), from $329.35M to $469.29M.
What does net interest income (after provisions) mean?
This metric adjusts net interest income by subtracting the provision for loan and lease losses, which is the expense set aside to cover expected credit losses. It provides a more accurate view of the bank's net revenue after accounting for the inherent credit risk in its loan portfolio. This is a critical measure of the bank's true earnings power after considering the quality of its assets.