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NBT Bancorp NBTB Service Charges On Deposit Accounts

Service Charges On Deposit Accounts at other companies

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Segments

By segment

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Banking$5.27M+24.2%
All Other Segments$0—
Retirement Plan Administration$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 nbtb:ServiceChargesOnDepositAccounts.

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 service charges on deposit accounts?
NBT Bancorp (NBTB) reported service charges on deposit accounts of $5.27M in Q1 2026.
How has NBT Bancorp's service charges on deposit accounts changed year-over-year?
NBT Bancorp's service charges on deposit accounts increased by 24.2% year-over-year, from $4.24M to $5.27M.
What is the long-term trend for NBT Bancorp's service charges on deposit accounts?
Over 4 years (2021 to 2025), NBT Bancorp's service charges on deposit accounts has grown at a 9.3% compound annual growth rate (CAGR), from $13.35M to $19.07M.
What does service charges on deposit accounts mean?
This represents fee income generated from customer deposit accounts, including maintenance fees, overdraft fees, and other transaction-related charges. It serves as a stable, non-interest income stream that helps diversify the bank's revenue base beyond interest-rate-sensitive products. Growth in this area indicates strong customer engagement and effective fee-based service strategies.