NBT Bancorp Inc. (NBTB) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 134.35M | 135.44M | 134.66M | 124.22M | 107.22M | 106.11M | 101.67M | 97.17M | 95.17M | 99.17M | 94.89M | 89.08M | 95.07M | 99.78M | 94.48M | 87.58M | 80.35M | 85.18M | 77.67M | 79.18M |
| NII Growth % | 25.3% | 27.65% | 32.45% | 27.83% | 12.66% | 6.99% | 7.14% | 9.08% | 0.11% | -0.61% | 0.44% | 1.71% | 18.32% | 17.14% | 21.63% | 10.62% | 1.64% | 6.33% | -0.35% | -1.58% |
| Net Interest Margin % | 0.83% | 0.85% | 0.84% | 0.78% | 0.77% | 0.77% | 0.73% | 0.72% | 0.71% | 0.75% | 0.69% | 0.75% | 0.8% | 0.85% | 0.81% | 0.75% | 0.66% | 0.71% | 0.65% | 0.68% |
| Interest Income | 182.65M | 188.54M | 190.47M | 177.58M | 154.4M | 157.74M | 156.23M | 150.77M | 146.94M | 150.91M | 137.09M | 120.59M | 114.19M | 109.17M | 99.21M | 91.48M | 84.2M | 89.31M | 82.22M | 84.04M |
| Interest Expense | 48.3M | 53.1M | 55.8M | 53.36M | 47.18M | 51.63M | 54.56M | 53.59M | 51.76M | 51.74M | 42.2M | 31.5M | 19.13M | 9.39M | 4.74M | 3.9M | 3.85M | 4.13M | 4.54M | 4.87M |
| Loan Loss Provision | 5.58M | 3.77M | 0 | 17.84M | 7.55M | 2.21M | 2.92M | 8.9M | 5.58M | 5.13M | 12.63M | 3.61M | 3.91M | 7.68M | 4.48M | 4.39M | 596K | 3.1M | -3.34M | -5.22M |
| Non-Interest Income | 50.14M | 49.7M | 48.31M | 46.44M | 46.79M | 41.75M | 45.21M | 42.52M | 44.84M | 37.98M | 39.67M | 31.35M | 30.55M | 33.13M | 36.62M | 40.9M | 42.27M | 40.16M | 39.62M | 38.65M |
| Non-Interest Income % | 21.54% | 20.86% | 20.23% | 20.73% | 23.26% | 20.93% | 22.44% | 22% | 23.38% | 20.11% | 22.44% | 20.64% | 21.11% | 23.28% | 26.96% | 30.89% | 33.43% | 31.02% | 32.52% | 31.5% |
| Total Revenue | 232.78M | 238.25M | 238.77M | 224.02M | 201.2M | 199.49M | 201.44M | 193.28M | 191.78M | 188.9M | 176.76M | 151.94M | 144.75M | 142.31M | 135.84M | 132.38M | 126.48M | 129.46M | 121.84M | 122.7M |
| Revenue Growth % | 15.7% | 19.43% | 18.53% | 15.9% | 4.91% | 5.6% | 13.96% | 27.21% | 32.49% | 32.74% | 30.13% | 14.78% | 14.45% | 9.92% | 11.49% | 7.89% | 4.74% | 4.72% | -0.22% | 0.8% |
| Non-Interest Expense | 112.23M | 111.69M | 111.14M | 122.12M | 99.24M | 100.1M | 95.19M | 88.87M | 91.22M | 92.25M | 90.23M | 78.1M | 78.47M | 78.55M | 76.14M | 75.36M | 71.76M | 74.15M | 72.16M | 70.76M |
| Efficiency Ratio | 48.21% | 46.88% | 46.55% | 54.51% | 49.33% | 50.18% | 47.25% | 45.98% | 47.57% | 48.83% | 51.05% | 51.4% | 54.21% | 55.2% | 56.06% | 56.93% | 56.74% | 57.27% | 59.23% | 57.67% |
| Operating Income | 66.67M | 69.69M | 71.83M | 30.71M | 47.22M | 45.55M | 48.78M | 41.92M | 43.21M | 39.78M | 31.7M | 38.73M | 43.24M | 46.68M | 50.47M | 48.73M | 50.27M | 48.09M | 48.48M | 52.29M |
| Operating Margin % | 28.64% | 29.25% | 30.08% | 13.71% | 23.47% | 22.83% | 24.21% | 21.69% | 22.53% | 21.06% | 17.93% | 25.49% | 29.88% | 32.81% | 37.16% | 36.81% | 39.75% | 37.15% | 39.79% | 42.62% |
| Operating Income Growth % | 41.2% | 53.01% | 47.25% | -26.75% | 9.27% | 14.49% | 53.87% | 8.23% | -0.07% | -14.78% | -37.19% | -20.52% | -13.97% | -2.92% | 4.12% | -6.81% | -1.44% | 10.23% | 5.15% | 67.19% |
| Pretax Income | 66.67M | 69.69M | 71.83M | 30.71M | 47.22M | 45.55M | 48.78M | 41.92M | 43.21M | 39.78M | 31.7M | 38.73M | 43.24M | 46.68M | 50.47M | 48.73M | 50.27M | 48.09M | 48.48M | 52.29M |
| Pretax Margin % | 28.64% | 29.25% | 30.08% | 13.71% | 23.47% | 22.83% | 24.21% | 21.69% | 22.53% | 21.06% | 17.93% | 25.49% | 29.88% | 32.81% | 37.16% | 36.81% | 39.75% | 37.15% | 39.79% | 42.62% |
| Income Tax | 15.53M | 14.18M | 17.35M | 8.2M | 10.48M | 9.54M | 10.68M | 9.2M | 9.39M | 9.34M | 7.09M | 8.66M | 9.59M | 10.56M | 11.5M | 10.96M | 11.14M | 10.78M | 11.04M | 11.99M |
| Effective Tax Rate % | 23.3% | 20.35% | 24.16% | 26.69% | 22.19% | 20.95% | 21.9% | 21.95% | 21.73% | 23.47% | 22.38% | 22.35% | 22.17% | 22.63% | 22.78% | 22.48% | 22.17% | 22.42% | 22.78% | 22.94% |
| Net Income | 51.14M | 55.51M | 54.47M | 22.51M | 36.74M | 36.01M | 38.1M | 32.72M | 33.82M | 30.45M | 24.61M | 30.07M | 33.66M | 36.12M | 38.97M | 37.77M | 39.13M | 37.31M | 37.43M | 40.3M |
| Net Margin % | 21.97% | 23.3% | 22.81% | 10.05% | 18.26% | 18.05% | 18.91% | 16.93% | 17.64% | 16.12% | 13.92% | 19.79% | 23.25% | 25.38% | 28.69% | 28.53% | 30.94% | 28.82% | 30.72% | 32.84% |
| Net Income Growth % | 39.18% | 54.17% | 42.98% | -31.2% | 8.64% | 18.26% | 54.83% | 8.79% | 0.49% | -15.71% | -36.86% | -20.39% | -13.98% | -3.19% | 4.11% | -6.26% | -1.81% | 9.11% | 6.61% | 63.06% |
| Net Income (Continuing) | 51.14M | 55.51M | 54.47M | 22.51M | 36.74M | 36.01M | 38.1M | 32.72M | 33.82M | 30.45M | 24.61M | 30.07M | 33.66M | 36.12M | 38.97M | 37.77M | 39.13M | 37.31M | 37.43M | 40.3M |
| EPS (Diluted) | 0.98 | 1.06 | 1.03 | 0.48 | 0.77 | 0.76 | 0.80 | 0.69 | 0.71 | 0.64 | 0.54 | 0.70 | 0.78 | 0.84 | 0.90 | 0.88 | 0.90 | 0.86 | 0.86 | 0.92 |
| EPS Growth % | 27.27% | 39.47% | 28.75% | -30.43% | 8.45% | 18.75% | 48.15% | -1.43% | -8.97% | -23.81% | -40% | -20.45% | -13.33% | -2.33% | 4.65% | -4.35% | -1.1% | 10.26% | 7.5% | 64.29% |
| EPS (Basic) | 0.98 | 1.06 | 1.04 | 0.48 | 0.78 | 0.76 | 0.81 | 0.69 | 0.72 | 0.65 | 0.54 | 0.70 | 0.78 | 0.84 | 0.91 | 0.88 | 0.91 | 0.86 | 0.86 | 0.93 |
| Diluted Shares Outstanding | 52.35M | 52.52M | 47.11M | 47.11M | 47.11M | 47.51M | 47.47M | 47.38M | 47.37M | 47.36M | 45.4M | 43.13M | 43.13M | 43.15M | 43.11M | 43.09M | 43.38M | 43.58M | 43.63M | 43.79M |