Skip to content

NBT Bancorp NBTB Business Segments

FY'25FY'24FY'23FY'22
Net Income Loss by Business
All Other Segments$5.1M+32.0%$3.86M+16.0%$3.33M+3.3%$3.23M
Banking$144.73M+19.4%$121.19M+16.8%$103.75M-22.9%$134.54M
Retirement Plan Administration$19.4M+24.4%$15.59M+33.3%$11.7M-17.8%$14.23M
Noninterest Income by Business
All Other Segments$7.93M+13.7%$6.98M+50.2%$4.65M-49.3%$9.17M
Banking$120.96M+10.8%$109.13M+26.4%$86.34M-8.8%$94.67M
Retirement Plan Administration$66.6M+9.7%$60.72M+18.6%$51.19M-1.1%$51.74M
Noninterest Income Other Operating Income by Business
All Other Segments-$8.49M+1.1%-$8.59M+11.5%-$9.7M-121%-$4.39M
Banking$22.83M+19.6%$19.09M-4.0%$19.88M+34.8%$14.75M
Retirement Plan Administration$1.19M+125%$527K-19.8%$657K+33.8%$491K
Noninterest Expense by Business
All Other Segments$2.83M+4.6%$2.71M+266%$741K-86.4%$5.46M
Banking$400.38M+19.8%$334.26M+9.8%$304.45M+14.8%$265.11M
Retirement Plan Administration$42.13M+3.0%$40.91M+12.1%$36.48M+7.6%$33.9M
Total Assets by Business
All Other Segments-$7.82B-15.1%-$6.8B
Banking$69.6B+13.8%$61.18B
Retirement Plan Administration$212.93M+16.0%$183.6M
Interest Income Expense Net by Business
All Other Segments$0$0$0$0
Banking$501.47M+25.4%$400.05M+5.8%$378.17M+4.4%$362.18M
Retirement Plan Administration$74K0.0%$74K+37.0%$54K+391%$11K
Occupancy Net by Business
All Other Segments$285K+10.9%$257K-2.3%$263K+3.1%$255K
Banking$35.08M+17.0%$29.99M+10.7%$27.1M+8.1%$25.07M
Retirement Plan Administration$1.02M-4.3%$1.07M+1.8%$1.05M+9.3%$959K
Income Tax Expense Benefit by Business
All Other Segments$0-100%$407K-29.1%$574K+17.6%$488K
Banking$45.07M+32.1%$34.12M+9.9%$31.04M-22.5%$40.05M
Retirement Plan Administration$5.14M+19.8%$4.29M+40.1%$3.07M-15.3%$3.62M
Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest by Business
All Other Segments509,900,000%+82,800,000pp427,100,000%+36,500,000pp390,600,000%+19,100,000pp371,500,000%
Banking18,979,900,000%+3,449,600,000pp15,530,300,000%+2,051,500,000pp13,478,800,000%-3,980,100,000pp17,458,900,000%
Retirement Plan Administration2,454,600,000%+466,200,000pp1,988,400,000%+511,900,000pp1,476,500,000%-308,700,000pp1,785,200,000%
Debt And Equity Securities Realized Gain Loss by Business
All Other Segments$0$0$0$0
Banking$148K-94.7%$2.79M+130%-$9.32M-724%-$1.13M
Retirement Plan Administration$0$0$0$0
Other Noninterest Expense by Business
All Other Segments-$8.14M-0.9%-$8.07M+11.5%-$9.12M-131%-$3.94M
Banking$38.62M+18.5%$32.59M-13.8%$37.8M+66.7%$22.68M
Retirement Plan Administration$1.12M-1.2%$1.14M+13.2%$1.01M-5.0%$1.06M
Intangible Assets Net Excluding Goodwill by Business
All Other Segments$4.53M+38.4%$3.27M
Banking$187.76M+57.1%$119.53M
Retirement Plan Administration$25.09M-0.5%$25.21M
Labor And Related Expense by Business
All Other Segments$11.19M+2.4%$10.93M+10.3%$9.9M+4.9%$9.44M
Banking$211.95M+12.6%$188.16M+21.4%$154.97M+2.3%$151.52M
Retirement Plan Administration$34.34M+2.8%$33.41M+13.7%$29.38M+9.3%$26.87M
Professional Fees by Business
All Other Segments-$1.46M-11.6%-$1.31M-10.9%-$1.18M-14.2%-$1.03M
Banking$21.06M+13.2%$18.61M+10.3%$16.88M+5.2%$16.05M
Retirement Plan Administration$2.14M+17.0%$1.83M-3.8%$1.9M+5.9%$1.79M
Interest Income Expense After Provision For Loan Loss by Business
All Other Segments$0$0$0$0
Banking$469.22M+23.3%$380.44M+7.8%$352.89M+2.3%$345.03M
Retirement Plan Administration$74K0.0%$74K+37.0%$54K+391%$11K
Wealth Management by Business
All Other Segments$26K-44.7%$47K+14.6%$41K-6.8%$44K
Banking$42.53M+7.7%$39.5M+20.5%$32.77M+4.7%$31.31M
Retirement Plan Administration$2.2M+4.9%$2.09M+7.2%$1.95M-0.3%$1.96M
Business Combination Acquisition Related Costs by Business
All Other Segments$0$0$0$0
Banking$19.53M+1,175%$1.53M-84.7%$9.98M+932%$967K
Retirement Plan Administration$0$0$0$0
Card Services Income by Business
All Other Segments$0$0$0$0
Banking$23.99M+7.4%$22.33M+7.2%$20.83M-28.3%$29.06M
Retirement Plan Administration$0$0$0$0
Bank Owned Life Insurance Income by Business
All Other Segments$0$0$0$0
Banking$12.39M+48.9%$8.33M+23.3%$6.75M+11.7%$6.04M
Retirement Plan Administration$0$0$0$0
Loan Collection And Other Real Estate Owned by Business
All Other Segments$0$0$0$0
Banking$2.65M+5.7%$2.51M-4.3%$2.62M-1.1%$2.65M
Retirement Plan Administration$0$0$0$0
Retirement Plan Administration Fees by Business
All Other Segments-$1.64M-8.1%-$1.51M-11.3%-$1.36M-15.2%-$1.18M
Banking$0$0$0$0
Retirement Plan Administration$63.22M+8.8%$58.1M+19.6%$48.58M-1.4%$49.29M
Service Charges On Deposit Accounts by Business
All Other Segments$0$0$0$0
Banking$19.07M+11.6%$17.09M+10.8%$15.43M+5.4%$14.63M
Retirement Plan Administration$0$0$0$0
Amortization Of Intangible Assets by Business
All Other Segments$225K+47.1%$153K+96.2%$78K+23.8%$63K
Banking$9.75M+52.0%$6.42M+110%$3.05M+424%$583K
Retirement Plan Administration$1.97M+5.0%$1.87M+16.7%$1.6M-0.9%$1.62M
Goodwill by Business
All Other Segments$58.14M+0.5%$57.83M
Banking$1.57B+21.1%$1.3B
Retirement Plan Administration$95.51M+2.1%$93.55M
Supplies And Postage Expense by Business
All Other Segments$63K-7.4%$68K-20.0%$85K+23.2%$69K
Banking$7.66M+9.1%$7.02M+8.7%$6.46M+13.0%$5.72M
Retirement Plan Administration$373K-14.6%$437K+17.5%$372K+4.8%$355K
Communications And Information Technology by Business
All Other Segments$649K-2.0%$662K+10.3%$600K+26.1%$476K
Banking$42.27M+13.1%$37.37M+2.6%$36.43M+7.1%$34.02M
Retirement Plan Administration$1.11M-0.3%$1.11M-2.0%$1.14M-6.4%$1.21M
Provision For Loan Losses Expensed by Business
All Other Segments$0$0$0$0
Banking$32.25M+64.5%$19.61M-22.4%$25.27M+47.4%$17.15M
Retirement Plan Administration$0$0$0$0
Insurance Agency Management Fee by Business
All Other Segments$18.03M+5.9%$17.03M+8.7%$15.67M+6.6%$14.69M
Banking$1K0.0%$1K-50.0%$2K0.0%$2K
Retirement Plan Administration$0$0$0$0
Federal Deposit Insurance Corporation Premium Expense by Business
All Other Segments0%0%0%0%
Banking788,900,000%+112,400,000pp676,500,000%+50,800,000pp625,700,000%+306,000,000pp319,700,000%
Retirement Plan Administration0%0%0%0%
Revenue by Product
Asset Management1$44.76M+7.5%$41.64M+19.8%$34.76M+4.4%$33.31M-1.2%
Insurance Revenue$18.04M+5.9%$17.03M+8.7%$15.67M+6.6%$14.7M+4.4%

Chart any of these lines over time, or line them up against competitors.

Compare these in charts →

Questions, answered.

How does NBT Bancorp break its business down?
NBT Bancorp (NBTB) reports net income loss by business across 3 parts — All Other Segments, Banking and Retirement Plan Administration. Each is extracted from the segment footnotes and tracked over time.
Where does NBT Bancorp's segment data come from?
Segment breakdowns are pulled from the segment footnotes in NBT Bancorp's SEC filings (the XBRL dimensional tags), so every line ties back to a reported figure. Switch between quarterly, annual, and TTM, or open any segment for its full history.