NBT Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Net Interest Income	528.67	501.55	400.12	378.22	362.19	321.09
Net Interest Income Growth	28.27%	25.35%	5.79%	4.43%	12.80%	1.71%
Non-Interest Income	198.18	195.49	176.82	142.18	155.58	157.79
Non-Interest Income Growth	10.79%	10.56%	24.37%	-8.61%	-1.40%	7.87%
Revenues Before Loan Losses	726.85	697.04	576.95	520.4	517.77	478.88
Provision for Credit Losses	24.7	-	-	-	17.15	-8.26
Revenue	702.15	697.04	576.95	520.4	500.62	487.14
Revenue Growth (YoY)	23.30%	20.82%	10.87%	3.95%	2.77%	18.58%
Compensation Expenses	265.54	257.48	232.49	194.25	187.83	172.58
Selling, General & Admin	121.23	122.15	107.26	100.4	90.96	88.64
Other Non-Interest Expenses	72.19	65.72	38.14	47.01	25.67	26.06
Total Non-Interest Expense	457.67	445.34	377.88	341.66	304.47	287.28
Pretax Income	238.9	219.44	179.46	153.46	196.16	199.86
Provision for Income Taxes	55.27	50.21	38.82	34.68	44.16	44.97
Net Income	183.63	169.24	140.64	118.78	152	154.89
Net Income to Common	183.63	169.24	140.64	118.78	152	154.89
Net Income Growth	27.91%	20.33%	18.40%	-21.85%	-1.87%	48.37%
Shares Outstanding (Basic)	52	51	47	45	43	43
Shares Outstanding (Diluted)	52	51	47	45	43	44
Shares Change (YoY)	9.73%	7.26%	5.95%	3.68%	-1.23%	-0.61%
EPS (Basic)	3.53	3.34	2.98	2.67	3.54	3.57
EPS (Diluted)	3.51	3.33	2.97	2.65	3.52	3.54
EPS Growth	16.23%	12.12%	12.07%	-24.72%	-0.56%	49.37%
Shares Outstanding	52.2	52.2	47.19	47.11	42.86	43.17
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	1.450	1.420	1.320	1.240	1.160	1.100
Dividend Growth	2.11%	7.58%	6.45%	6.90%	5.46%	1.85%
Profit Margin	26.15%	24.28%	24.38%	22.83%	30.36%	31.79%
FCF Margin	-	31.41%	30.65%	28.48%	35.20%	31.09%
EBITDA	-	35.03	30	25.01	22.52	25.71
EBITDA Margin	-	5.02%	5.20%	4.81%	4.50%	5.28%
Effective Tax Rate	23.13%	22.88%	21.63%	22.60%	22.51%	22.50%

Updated Apr 23, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q