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NBT Bancorp NBTB Bank Owned Life Insurance

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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$2.74B+27.7%
Enterprise value$2.76B+60.8%
P/E12.8×-3.3×
P/S3.7×+0.2×

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:BankOwnedLifeInsurance.

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 share and per share data)June 30, 2026December 31, 2025
Premises and equipment, net98,11999,277
Goodwill453,278453,278
Intangible assets, net51,11757,656
Bank owned life insurance314,806317,733
Other assets405,839399,910
Total assets$16,214,957$15,995,121
Liabilities
Demand (noninterest bearing)$3,861,366$3,800,209

Item 1. FINANCIAL STATEMENTS (Unaudited) FINANCIAL STATEMENTS

FAQ

What is NBT Bancorp's bank owned life insurance?
NBT Bancorp (NBTB) reported bank owned life insurance of $314.81M in Q2 2026.
How has NBT Bancorp's bank owned life insurance changed year-over-year?
NBT Bancorp's bank owned life insurance decreased by 1.0% year-over-year, from $318M to $314.81M.
What is the long-term trend for NBT Bancorp's bank owned life insurance?
Over 5 years (2020 to 2025), NBT Bancorp's bank owned life insurance has grown at a 11.3% compound annual growth rate (CAGR), from $186.43M to $317.73M.
What does bank owned life insurance mean?
Bank Owned Life Insurance (BOLI) represents life insurance policies purchased by the bank on the lives of key employees, where the bank is the beneficiary. The cash surrender value of these policies is recorded as an asset, providing a tax-advantaged method to offset the costs of employee benefit plans. It serves as a long-term investment vehicle that generates stable, non-interest income.

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