Every 10-Q that NBT Bancorp Inc (NBTB) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow NBTB and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full NBTB filings page.
NBT Bancorp Inc. reported significantly higher profitability for the quarter ended June 30, 2026. Net income was $53,030 (in thousands) versus $22,510 a year earlier, and six‑month net income rose to $104,172 (in thousands) from $59,255. Net interest income increased to $136,963 (in thousands), while the provision for loan losses declined to $6,136 (in thousands) from $17,835.
Total assets were $16,214,957 (in thousands) and total loans $11,874,081 (in thousands) as of June 30, 2026. Deposits totaled $13,537,302 (in thousands), and stockholders’ equity was $1,943,919 (in thousands). The allowance for credit losses was $140,500 (in thousands), or 1.18% of loans, with nonaccrual loans of $62,898 (in thousands).
The securities portfolio carried gross unrealized losses of $107,452 (in thousands) on available‑for‑sale and $62,525 (in thousands) on held‑to‑maturity securities, described as interest‑rate driven. Net cash provided by operating activities was $114,926 (in thousands) for the first half of 2026. On June 30, 2026, the company redeemed $25,000 (in thousands) of subordinated notes using existing liquidity sources.
NBT Bancorp Inc. reported net income of $51.1 million for the quarter ended March 31, 2026, up from $36.7 million a year earlier. Net interest income rose to $134.3 million as interest and fee income on loans and securities outpaced higher funding costs.
Noninterest income increased to $50.1 million, helped by retirement plan administration, wealth management and service charges. Operating costs also grew, with noninterest expense at $112.2 million, including higher salaries, technology and occupancy. The provision for loan losses declined to $5.6 million, and the allowance for credit losses was $138.6 million, or 1.20% of total loans.
Total assets reached $16.2 billion, with loans of $11.55 billion and deposits of $13.74 billion. Diluted earnings per share were $0.98 versus $0.77 a year earlier, reflecting stronger profitability on a larger balance sheet.
NBT Bancorp Inc. (NBTB) reported Q3 2025 results with net income of $54.5 million, up from $38.1 million a year ago, and basic EPS of $1.04 versus $0.81. Net interest income rose to $134.7 million from $101.7 million as higher loan and securities yields offset funding costs.
Total assets reached $16.11 billion, up from $13.79 billion at year-end 2024, driven by loans of $11.60 billion and AFS securities of $1.81 billion. Deposits were $13.66 billion versus $11.55 billion at year-end. Noninterest income was $51.4 million, and noninterest expense was $111.1 million, including acquisition expenses.
On May 2, 2025, NBT closed the all-stock acquisition of Evans Bancorp for $221.8 million, issuing 5.1 million shares, recording core deposit intangibles of $33.2 million and preliminary goodwill of $91.4 million. Year-to-date, the company redeemed $118.0 million of subordinated debt and paid cash dividends of $0.37 per share in Q3. Shares outstanding were 52,315,193 as of October 31, 2025.
NBT Bancorp reported a quarter with clear growth in balance sheet scale but lower reported earnings. Total assets rose to $16.01 billion, driven by loans of $11.62 billion (up from $9.97 billion year-end) and deposits of $13.52 billion (up from $11.55 billion). Net interest income expanded to $124.2 million for the quarter versus $97.2 million a year earlier, reflecting stronger loan yields and portfolio expansion.
Reported net income was $22.5 million for the three months (basic EPS $0.45), down from $32.7 million a year earlier, and $59.3 million for the six months (basic EPS $1.21) versus $66.5 million. Key drivers of the lower earnings were a higher provision for loan losses of $17.8 million this quarter, increased noninterest expense including $17.2 million of acquisition-related integration costs, and acquisition accounting from the May 2, 2025 Evans Bancorp transaction for $221.8 million in stock that generated $91.4 million of goodwill. The allowance for credit losses increased to $140.2 million (1.21% of loans). Unrealized losses in investment portfolios remain sizable but are reported as AOCI and not recognized as credit losses.