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NBT Bancorp NBTB Provision for Credit Losses

Provision for Credit Losses at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
$2.51B-24.1%
KeyCorp logo
KeyCorpKEY
$106M-10.2%
Community Financial System logo
Community Financial SystemCBU
$5.64M-15.8%
Old National Bancorp logo
Old National BancorpONB
$34.95M+11.3%
Northwest Bancshares logo
Northwest BancsharesNWBI
$4.37M-44.8%
M&T Bank logo
M&T BankMTB

Segments

By segment

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Banking$5.58M-26.2%
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 us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs.

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 provision for credit losses?
NBT Bancorp (NBTB) reported provision for credit losses of $6.86M in Q1 2026.
How has NBT Bancorp's provision for credit losses changed year-over-year?
NBT Bancorp's provision for credit losses decreased by 15.9% year-over-year, from $8.16M to $6.86M.
What is the long-term trend for NBT Bancorp's provision for credit losses?
Over 4 years (2021 to 2025), NBT Bancorp's provision for credit losses has grown at a 12.5% compound annual growth rate (CAGR), from -$15.71M to $25.21M.
What does provision for credit losses mean?
Expense recognized to build or adjust allowances for expected credit losses on loans, receivables, and other financial assets, based on forward-looking CECL methodology.