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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$5.19M+13.5%
All Other Segments$0
Retirement Plan Administration$0

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

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 nbtb:ServiceChargesOnDepositAccounts.

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
Provision for loan losses6,13617,83511,71325,389
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

Item 1. FINANCIAL STATEMENTS (Unaudited) FINANCIAL STATEMENTS

FAQ

What is NBT Bancorp's service charges on deposit accounts?
NBT Bancorp (NBTB) reported service charges on deposit accounts of $5.19M in Q2 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 13.5% year-over-year, from $4.58M to $5.19M.
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.

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