NBT Bancorp Inc. (NBTB)

NBT Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	501.55	400.12	378.22	362.19	321.09
Net Interest Income Growth	25.35%	5.79%	4.43%	12.80%	1.71%
Non-Interest Income	195.49	176.82	142.18	155.58	157.79
Non-Interest Income Growth	10.56%	24.37%	-8.61%	-1.40%	7.87%
Revenues Before Loan Losses	697.04	576.95	520.4	517.77	478.88
Provision for Credit Losses	-	-	-	17.15	-8.26
Revenue	697.04	576.95	520.4	500.62	487.14
Revenue Growth (YoY)	20.82%	10.87%	3.95%	2.77%	18.58%
Compensation Expenses	257.48	232.49	194.25	187.83	172.58
Selling, General & Admin	122.15	107.26	100.4	90.96	88.64
Other Non-Interest Expenses	65.72	38.14	47.01	25.67	26.06
Total Non-Interest Expense	445.34	377.88	341.66	304.47	287.28
Pretax Income	219.44	179.46	153.46	196.16	199.86
Provision for Income Taxes	50.21	38.82	34.68	44.16	44.97
Net Income	169.24	140.64	118.78	152	154.89
Net Income to Common	169.24	140.64	118.78	152	154.89
Net Income Growth	20.33%	18.40%	-21.85%	-1.87%	48.37%
Shares Outstanding (Basic)	51	47	45	43	43
Shares Outstanding (Diluted)	51	47	45	43	44
Shares Change (YoY)	7.26%	5.95%	3.68%	-1.23%	-0.61%
EPS (Basic)	3.34	2.98	2.67	3.54	3.57
EPS (Diluted)	3.33	2.97	2.65	3.52	3.54
EPS Growth	12.12%	12.07%	-24.72%	-0.56%	49.37%
Free Cash Flow	218.92	176.83	148.2	176.21	151.45
Free Cash Flow Growth	23.80%	19.31%	-15.90%	16.36%	10.45%
Free Cash Flow Per Share	4.30	3.73	3.31	4.08	3.46
Dividends Per Share	1.420	1.320	1.240	1.160	1.100
Dividend Growth	7.58%	6.45%	6.90%	5.46%	1.85%
Profit Margin	25.46%	25.23%	23.99%	30.36%	31.79%
FCF Margin	32.93%	31.73%	29.93%	35.20%	31.09%
EBITDA	35.03	30	25.01	22.52	25.71
EBITDA Margin	5.27%	5.38%	5.05%	4.50%	5.28%
Effective Tax Rate	22.88%	21.63%	22.60%	22.51%	22.50%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q