Skip to content
Screener

NBT Bancorp NBTB Card Services Income

Card Services Income at other companies

Bank of America logo
Bank of AmericaBAC
$628M+4.3%
Bank of America logo
Bank of AmericaBAC
$1.49B-1.6%
Bank of America logo
Bank of AmericaBAC
$865M-5.6%
Enterprise Financial Services logo
Enterprise Financial ServicesEFSC
$2.54M+5.8%
Bank of America logo
Bank of AmericaBAC
$1.67B+7.2%
MVB Financial Corp. logo
MVB Financial Corp.MVBF
$6.01M+29.1%

Segments

By segment

See full
Banking$6.61M+8.8%
All Other Segments$0
Retirement Plan Administration$0

Other financials

Income statement

See full
Revenue$186.7M+9.1%
Net income$53.0M+136%
EPS (diluted)$1.02+132%

Balance sheet

See full
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

See full
Operating cash flow$61.9M+33.2%
CapEx$1.4M-41.6%
Free cash flow$60.5M+37.1%

Valuation

See full
Market cap$2.75B+28.7%
Enterprise value$2.77B+62.3%
P/E12.9×-3.2×
P/S3.7×+0.3×

Profitability

See full
Net margin28.8%+7.4pp
FCF margin33.1%+4.8pp

Returns & leverage

See full
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:CardServicesIncome.

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
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 income6,6136,07712,64111,394
Retirement plan administration fees16,92815,71033,49431,568
Wealth management10,94810,67822,08221,624
Insurance services4,1774,0978,6598,858
Bank owned life insurance income2,5052,1805,1645,577

Item 1. FINANCIAL STATEMENTS (Unaudited) FINANCIAL STATEMENTS

FAQ

What is NBT Bancorp's card services income?
NBT Bancorp (NBTB) reported card services income of $6.61M in Q2 2026.
How has NBT Bancorp's card services income changed year-over-year?
NBT Bancorp's card services income increased by 8.8% year-over-year, from $6.08M to $6.61M.
What is the long-term trend for NBT Bancorp's card services income?
Over 4 years (2021 to 2025), NBT Bancorp's card services income has grown at a -8.8% compound annual growth rate (CAGR), from $34.68M to $23.99M.
What does card services income mean?
This represents revenue generated from credit and debit card processing fees, interchange fees, and related cardholder services. It reflects the bank's ability to capture transaction-based income from its retail and commercial customer base.

Ask your AI about NBT Bancorp's card services income.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude