NBT Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	632.31	552.85	462.67	332.77	302.18
Interest Income on Investments	78.68	58.82	60.12	51.3	37.7
Total Interest Income	710.99	611.67	522.79	384.07	339.88
Interest Paid on Deposits	192.33	186.95	104.64	9.92	10.71
Interest Paid on Borrowings	17.11	24.6	39.93	11.96	8.07
Total Interest Expense	209.45	211.55	144.57	21.88	18.79
Net Interest Income	501.55	400.12	378.22	362.19	321.09
Net Interest Income Growth (YoY)	25.35%	5.79%	4.43%	12.80%	1.71%
Trust Income	44.76	41.64	34.76	33.31	33.72
Gain (Loss) on Sale of Investments	0.15	2.79	-14.07	-1.13	0.57
Other Non-Interest Income	131.52	115.31	101.31	108.77	110.16
Total Non-Interest Income	195.49	176.82	137.43	155.58	157.79
Non-Interest Income Growth (YoY)	10.56%	28.67%	-11.67%	-1.40%	7.87%
Revenues Before Loan Losses	697.04	576.95	515.65	517.77	478.88
Provision for Loan Losses	18.7	19.61	25.27	17.15	-8.26
Revenue	678.34	557.34	490.37	500.62	487.14
Revenue Growth (YoY)	21.71%	13.66%	-2.05%	2.77%	18.58%
Salaries and Employee Benefits	257.48	226.5	189.15	183.3	168.17
Federal Deposit Insurance	-	6.77	6.26	3.2	3.04
Amortization of Goodwill & Intangibles	11.94	8.44	4.73	2.26	2.81
Selling, General & Administrative	102.15	106.48	99.25	92.3	90.01
Other Non-Interest Expense	54.24	25.66	24.93	19.8	20.34
Total Non-Interest Expense	425.82	376.35	326.94	303.5	287.28
EBT Excluding Unusual Items	252.52	180.99	163.44	197.12	199.86
Pretax Income	219.44	179.46	153.46	196.16	199.86
Income Tax Expense	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%
Basic Shares Outstanding	51	47	45	43	43
Diluted Shares Outstanding	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%
Dividend Per Share	1.420	1.320	1.240	1.160	1.100
Dividend Growth	7.58%	6.45%	6.90%	5.46%	1.85%
Effective Tax Rate	22.88%	21.63%	22.60%	22.51%	22.50%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q