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Nbt Bancorp Inc (NBTB) Annual Income Statement

Annual · GAAP · USD millions
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Quarterly income statement trends provide context on Nbt Bancorp Inc's margins, operating leverage, and earnings trajectory.
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Annual Report, GAAP in USD millions
ITEM 		(Dec 31 2025)
2025 		(Dec 31 2024) (Dec 31 2023) (Dec 31 2022) (Dec 31 2021)
Revenues
Interest and Fee Income, Loans and Leases632.31
Interest and Dividend Income, Securities, Operating47.02
Other Interest and Dividend Income12.89
Other Income18.78
Total Interest Income710.99
Interest Expense, Deposits192.33
Interest Expense, Short-term Borrowings3.64
Interest Expense, Long-term Debt and Capital Securities4.88
Net Interest (-)Expense / Income-209.45
Net Interest Income501.55
Provision for loan losses32.25
Total Net Interest Income469.29
Insurance Agency Management Fee18.04
Sales of Products0.00
Other Non-interest Income15.52
Loss / Gain on Investment0.00
Other Non-Interest Income160.47
Total Non-interest Income195.49
Total Revenues664.79
Costs & Expenses
Salaries & employee benefits, SGA4.01
Restructuring, Accretion & impairment charges19.53
Depreciation & Amortization11.94
Communications, Occupancy and Information Technology36.39
Professional Fees21.74
Supplies and Postage Expense8.10
Federal Deposit Insurance Corporation Premium Expense7.89
Other Noninterest Expense31.60
Other loss /-income301.50
Total Operating Expenses445.34
Total Costs & Expenses646.19
Income & Taxes
Income /-loss before income taxes219.44
Income taxes expenses/-benefit50.21
Income after income taxes169.24
Net income/-loss of other equity0.00
Income /-loss after income taxes169.24
Net Income/-loss169.24
Income/-loss to shareholder169.24
Earnings Per Share
Basic EPS (excl. extra items)3.34
Basic Net EPS3.34
Basic shares outstanding (Mill. of Units)50.65
Diluted Net EPS3.33
Diluted average shares (Mill. of Units)50.88
Dividend per share1.42
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About Nbt Bancorp Inc Annual Income Statement

What this statement shows

This page presents issuer-reported income statement data, detailing revenue, operating costs, expenses, and earnings as disclosed in SEC 10-K filings and standardized by CSIMarket. The income statement reflects operating performance over a reporting period rather than financial position at a single date.

Revenue and expense treatment

Revenue and expense items are aligned to support period-to-period comparability. Operating and non-operating items, interest, and income taxes are classified based on issuer disclosures and XBRL tagging.

Source & verification

  • Source: SEC 10-K filings
  • Filed with the SEC: February 27, 2026
  • Original filing: ef20060005_10k.htm

Income statement figures represent operating results for each reporting period and may be revised in subsequent filings.