NBT Bancorp Inc. (NBTB)

NBT Bancorp Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	607.37	552.85	462.67	332.77	302.18	307.86
Interest Income on Investments	72.82	58.82	60.12	51.3	37.7	40.42
Total Interest Income	680.19	611.67	522.79	384.07	339.88	348.28
Interest Paid on Deposits	189.72	186.95	104.64	9.92	10.71	22.07
Interest Paid on Borrowings	18.25	24.6	39.93	11.96	8.07	10.53
Total Interest Expense	207.97	211.55	144.57	21.88	18.79	32.6
Net Interest Income	472.21	400.12	378.22	362.19	321.09	315.68
Net Interest Income Growth (YoY)	20.10%	5.79%	4.43%	12.80%	1.71%	1.32%
Trust Income	43.57	41.64	34.76	33.31	33.72	29.25
Gain (Loss) on Sale of Investments	0.23	2.79	-14.07	-1.13	0.57	-0.39
Other Non-Interest Income	126.09	115.31	101.31	108.77	110.16	104.22
Total Non-Interest Income	188.22	176.82	137.43	155.58	157.79	146.28
Non-Interest Income Growth (YoY)	11.94%	28.67%	-11.67%	-1.40%	7.87%	1.56%
Revenues Before Loan Losses	660.43	576.95	515.65	517.77	478.88	461.95
Provision for Loan Losses	30.7	19.61	25.27	17.15	-8.26	51.13
Revenue	629.73	557.34	490.37	500.62	487.14	410.82
Revenue Growth (YoY)	16.88%	13.66%	-2.05%	2.77%	18.58%	-4.50%
Salaries and Employee Benefits	247.24	226.5	189.15	183.3	168.17	157.35
Federal Deposit Insurance	6.77	6.77	6.26	3.2	3.04	2.69
Amortization of Goodwill & Intangibles	10.66	8.44	4.73	2.26	2.81	3.4
Selling, General & Administrative	115.01	106.48	99.25	92.3	90.01	86.14
Other Non-Interest Expense	31.73	25.66	24.93	19.8	20.34	24.86
Total Non-Interest Expense	413.91	376.35	326.94	303.5	287.28	277.73
EBT Excluding Unusual Items	215.81	180.99	163.44	197.12	199.86	133.09
Pretax Income	195.3	179.46	153.46	196.16	199.86	133.09
Income Tax Expense	45.57	38.82	34.68	44.16	44.97	28.7
Net Income	149.73	140.64	118.78	152	154.89	104.39
Net Income to Common	149.73	140.64	118.78	152	154.89	104.39
Net Income Growth	10.85%	18.40%	-21.85%	-1.87%	48.37%	-13.74%
Basic Shares Outstanding	49	47	45	43	43	44
Diluted Shares Outstanding	50	47	45	43	44	44
Shares Change (YoY)	4.67%	5.95%	3.68%	-1.23%	-0.61%	-0.31%
EPS (Basic)	3.03	2.98	2.67	3.54	3.57	2.39
EPS (Diluted)	3.02	2.97	2.65	3.52	3.54	2.37
EPS Growth	5.89%	12.07%	-24.72%	-0.56%	49.37%	-13.50%
Dividend Per Share	1.390	1.320	1.240	1.160	1.100	1.080
Dividend Growth	6.92%	6.45%	6.90%	5.46%	1.85%	2.86%
Effective Tax Rate	23.33%	21.63%	22.60%	22.51%	22.50%	21.56%

Updated Oct 27, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q