NBT Bancorp Inc. (NBTB) Quarterly Income Statement

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NBT Bancorp Inc. (NBTB) quarterly income statement — complete revenue, gross profit & net income history

Quarterly statement

NBTB Income Statement

NBT Bancorp Inc. (NBTB) annual income statement — 30-year revenue, gross profit & net income history

Metric	Q2'26	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

Net Interest Income	136.96M	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
NII Growth %	10.26%	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%
Net Interest Margin %	0.84%	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%
Interest Income	185.76M	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
Interest Expense	48.8M	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
Loan Loss Provision	6.14M	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
Non-Interest Income	49.73M	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
Non-Interest Income %	26.64%	27.18%	26.85%	26.4%	27.21%	30.38%	28.24%	30.78%	30.44%	32.02%	27.69%	29.48%	26.03%	24.32%	24.93%	27.93%	31.83%	34.48%	32.04%	33.78%
Total Net Revenue	186.69M	184.48M	185.14M	182.97M	170.66M	154.02M	147.85M	146.88M	139.69M	140.01M	137.16M	134.56M	120.44M	125.62M	132.91M	131.1M	128.48M	122.62M	125.34M	117.3M
Revenue Growth %	9.39%	19.78%	25.22%	24.57%	22.17%	10%	7.8%	9.16%	15.98%	11.46%	3.19%	2.64%	-6.26%	2.44%	6.05%	11.77%	9.04%	6.16%	6.86%	1.95%
Non-Interest Expense	111.44M	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
Efficiency Ratio	59.69%	60.84%	60.32%	60.74%	71.56%	64.44%	67.7%	64.8%	63.62%	65.15%	67.26%	67.05%	64.85%	62.46%	59.1%	58.08%	58.65%	58.52%	59.16%	61.52%
Operating Income	69.12M	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
Operating Margin %	37.02%	36.14%	37.64%	39.26%	17.99%	30.66%	30.81%	33.21%	30.01%	30.86%	29.01%	23.56%	32.16%	34.42%	35.12%	38.5%	37.93%	40.99%	38.37%	41.33%
Operating Income Growth %	125.08%	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%
Pretax Income	69.12M	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
Pretax Margin %	37.02%	36.14%	37.64%	39.26%	17.99%	30.66%	30.81%	33.21%	30.01%	30.86%	29.01%	23.56%	32.16%	34.42%	35.12%	38.5%	37.93%	40.99%	38.37%	41.33%
Income Tax	16.09M	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
Effective Tax Rate %	23.27%	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%
Net Income	53.03M	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
Net Margin %	28.41%	27.72%	29.98%	29.77%	13.19%	23.86%	24.35%	25.94%	23.42%	24.16%	22.2%	18.29%	24.97%	26.79%	27.18%	29.73%	29.4%	31.91%	29.77%	31.91%
Net Income Growth %	135.58%	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%
Net Income (Continuing)	53.03M	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
EPS (Diluted)	1.01	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
EPS Growth %	110.42%	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%
EPS (Basic)	1.02	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
Diluted Shares Outstanding	52.35M	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