Security
NBTB · NBT BANCORP INC
NBTBNASDAQCommon stockCurrentCIK 790359Updated Sep 27, 2026
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NASDAQ:NBTB on TradingView ↗About the company
NBT Bancorp Inc. is a financial holding company headquartered in Norwich, NY, with total assets of $16.21 billion at June 30, 2026. The Company primarily operates through NBT Bank, N.A., a full-service community bank, and through two financial services companies. NBT Bank, N.A. has 174 banking locations in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut. EPIC Retirement Plan Services, based in Rochester, NY, is a national benefits administration firm. NBT Insurance Agency, LLC, based in Norwich, NY, is a full-service regional insurance agency. More information about NBT and its divisions is available online at: www.nbtbancorp.com, www.nbtbank.com, www.epicrps.com and www.nbtbank.com/insurance.
In the news
NBT Bancorp Inc. Announces Date of Second Quarter Conference Call ↗
Recent filings
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements
Items 5.02, 9.01
Regulation FD Disclosure
Items 7.01
10-Q filing
4 filing
4 filing
Show 5 more recent filings
Financials
FY 2025 · USDSource
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balance sheet · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| ASSETS | ||||
| AssetsUSD | 15,995,121,000Source | 13,786,666,000Source | 13,309,040,000Source | 11,739,296,000Source |
| Property, Plant and Equipment, NetUSD | 99,277,000Source | 80,840,000Source | 80,675,000Source | 69,047,000Source |
| GoodwillUSD | 453,278,000Source | 362,663,000Source | 361,851,000Source | 281,204,000Source |
| Intangible Assets, Net (Excluding Goodwill)USD | 57,656,000Source | 36,360,000Source | 40,443,000Source | 7,341,000Source |
| Operating Lease, Right-of-Use AssetUSD | 30,600,000Source | 27,600,000Source | 26,700,000Source | 23,900,000Source |
| LIABILITIES AND EQUITY | ||||
| LiabilitiesUSD | 14,098,905,000Source | 12,260,525,000Source | 11,883,349,000Source | 10,565,742,000Source |
| Stockholders’ equity: | ||||
| Preferred Stock, Value, IssuedUSD | 0Source | 0Source | 0Source | 0Source |
| Common Stock, Value, IssuedUSD | 591,000Source | 540,000Source | 540,000Source | 497,000Source |
| Additional Paid in CapitalUSD | 964,778,000Source | 742,810,000Source | 740,943,000Source | 577,853,000Source |
| Retained Earnings (Accumulated Deficit)USD | 1,196,850,000Source | 1,100,209,000Source | 1,021,831,000Source | 958,433,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -82,596,000Source | -142,098,000Source | -160,934,000Source | -190,034,000Source |
| Stockholders' Equity Attributable to ParentUSD | 1,896,216,000Source | 1,526,141,000Source | 1,425,691,000Source | 1,173,554,000Source |
| Liabilities and EquityUSD | 15,995,121,000Source | 13,786,666,000Source | 13,309,040,000Source | 11,739,296,000Source |
| Additional Financial Items | ||||
| AOCI, Debt Securities, Available-for-sale, Adjustment, after TaxUSD | -72,176,000Source | -123,995,000Source | -138,951,000Source | -163,599,000Source |
| Accumulated Other Comprehensive (Income) Loss, Defined Benefit Plan, after TaxUSD | 10,420,000Source | 18,103,000Source | 21,983,000Source | 26,435,000Source |
| Deferred Tax Liabilities, NetUSD | 64,984,000Source | 49,958,000Source | 48,558,000Source | 38,827,000Source |
cash flow · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Cash flows from operating activities: | ||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||
| Share-based Payment Arrangement, Noncash ExpenseUSD | 5,281,000Source | 5,992,000Source | 5,102,000Source | 4,530,000Source |
| Deferred Income Tax Expense (Benefit)USD | 23,573,000Source | 8,729,000Source | 5,958,000Source | -19,850,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | 235,218,000Source | 188,567,000Source | 157,457,000Source | 183,223,000Source |
| Cash flows from investing activities: | ||||
| Payments to Acquire Businesses, Net of Cash AcquiredUSD | -37,944,000Source | 1,383,000Source | -44,564,000Source | 2,616,000Source |
| Net Cash Provided by (Used in) Investing ActivitiesUSD | 169,072,000Source | -399,160,000Source | -44,226,000Source | -926,216,000Source |
| Cash flows from financing activities: | ||||
| Payment, Tax Withholding, Share-based Payment ArrangementUSD | 4,414,000Source | 1,993,000Source | 1,877,000Source | 1,751,000Source |
| Payments for Repurchase of Common StockUSD | 10,185,000Source | 251,000Source | 4,944,000Source | 14,713,000Source |
| Net Cash Provided by (Used in) Financing ActivitiesUSD | -201,230,000Source | 289,460,000Source | -105,392,000Source | -328,728,000Source |
| Payments of Ordinary Dividends, Common StockUSD | 72,594,000Source | 62,263,000Source | 55,886,000Source | 49,765,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | 487,116,000Source | 284,056,000Source | 205,189,000Source | 197,350,000Source |
| Supplemental disclosure of cash flow information: | ||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | 215,590,000Source | 215,154,000Source | 130,180,000Source | 20,608,000Source |
| Income Taxes Paid, NetUSD | 24,570,000Source | 23,317,000Source | 27,636,000Source | 62,795,000Source |
| Additional Financial Items | ||||
| Amortization of Debt Issuance CostsUSD | 199,000Source | 437,000Source | 437,000Source | 437,000Source |
| Amortization of Intangible AssetsUSD | 11,944,000Source | 8,443,000Source | 4,734,000Source | 2,263,000Source |
| Bank Owned Life Insurance IncomeUSD | 12,393,000Source | 8,325,000Source | 6,750,000Source | 6,044,000Source |
| Debt and Equity Securities, Realized Gain (Loss)USD | 148,000Source | 2,789,000Source | -9,315,000Source | -1,131,000Source |
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | — | — | — | 0Source |
| Depreciation, NonproductionUSD | 12,999,000Source | 11,525,000Source | 10,695,000Source | 10,155,000Source |
| Equity Securities, FV-NI, Gain (Loss)USD | 148,000Source | 505,000Source | 135,000Source | -1,135,000Source |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | -35,000Source | 0Source | 0Source | 0Source |
| Equity Securities, FV-NI, Unrealized Gain (Loss)USD | 183,000Source | 505,000Source | 135,000Source | -1,135,000Source |
| Equity Securities without Readily Determinable Fair Value, Impairment Loss, Annual AmountUSD | 0Source | 0Source | 0Source | 0Source |
| Gain (Loss) on Termination of LeaseUSD | — | — | — | 0Source |
| GoodwillUSD | 453,278,000Source | 362,663,000Source | 361,851,000Source | 281,204,000Source |
| Goodwill, Impairment LossUSD | 0Source | 0Source | 0Source | 0Source |
| Impairment of Intangible Assets, Finite-livedUSD | 0Source | 0Source | 0Source | 0Source |
| Income Tax Expense (Benefit)USD | 50,209,000Source | 38,817,000Source | 34,677,000Source | 44,161,000Source |
| Net Income (Loss) Attributable to ParentUSD | 169,235,000Source | 140,641,000Source | 118,782,000Source | 151,995,000Source |
| Other Interest and Dividend IncomeUSD | 12,889,000Source | 7,084,000Source | 9,627,000Source | 4,067,000Source |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | 256,498,000Source | 167,903,000Source | 116,453,000Source | 213,722,000Source |
| Financing Receivable, Credit Loss, Expense (Reversal)USD | 32,254,000Source | 19,607,000Source | 25,274,000Source | 17,147,000Source |
income statement · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Total RevenueUSD | 182,952,000Source | 165,710,000Source | 144,742,000Source | 150,665,000Source |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | 219,444,000Source | 179,458,000Source | 153,459,000Source | 196,156,000Source |
| Income Tax Expense (Benefit)USD | 50,209,000Source | 38,817,000Source | 34,677,000Source | 44,161,000Source |
| Net Income (Loss) Attributable to ParentUSD | 169,235,000Source | 140,641,000Source | 118,782,000Source | 151,995,000Source |
| Earnings Per Share, BasicUSD per share | 3.34Source | 2.98Source | 2.67Source | 3.54Source |
| Earnings Per Share, DilutedUSD per share | 3.33Source | 2.97Source | 2.65Source | 3.52Source |
| Weighted Average Number of Shares Outstanding, Basicshares | 50,651,000Source | 47,165,000Source | 44,528,000Source | 42,917,000Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | 50,875,000Source | 47,433,000Source | 44,770,000Source | 43,181,000Source |
| Additional Financial Items | ||||
| Amortization of Intangible AssetsUSD | 11,944,000Source | 8,443,000Source | 4,734,000Source | 2,263,000Source |
| Bank Owned Life Insurance IncomeUSD | 12,393,000Source | 8,325,000Source | 6,750,000Source | 6,044,000Source |
| Business Combination, Acquisition Related CostsUSD | 19,526,000Source | 1,531,000Source | 9,978,000Source | — |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | 1.42Source | 1.32Source | 1.24Source | 1.16Source |
| Current Income Tax Expense (Benefit)USD | 26,636,000Source | 30,088,000Source | 28,719,000Source | 64,011,000Source |
| Debt and Equity Securities, Realized Gain (Loss)USD | 148,000Source | 2,789,000Source | -9,315,000Source | -1,131,000Source |
| Equity Securities, FV-NI, Realized Gain (Loss)USD | -35,000Source | 0Source | 0Source | 0Source |
| Equity Securities without Readily Determinable Fair Value, Impairment Loss, Annual AmountUSD | 0Source | 0Source | 0Source | 0Source |
| Goodwill, Impairment LossUSD | 0Source | 0Source | 0Source | 0Source |
| Interest ExpenseUSD | — | — | 144,570,000Source | 21,880,000Source |
| InterestExpenseOperatingUSD | 209,446,000Source | 211,548,000Source | — | — |
| Interest Income (Expense), NetUSD | 501,546,000Source | 400,122,000Source | 378,219,000Source | 362,190,000Source |
| Labor and Related ExpenseUSD | 257,478,000Source | 232,487,000Source | 194,250,000Source | 187,830,000Source |
| Other Interest and Dividend IncomeUSD | 12,889,000Source | 7,084,000Source | 9,627,000Source | 4,067,000Source |
Filing attachments
ef20082455_ex99-1.htm · 8-K · 2026-09-21
Exhibit 99.1 FOR IMMEDIATE RELEASE ATTENTION: FINANCIAL AND BUSINESS EDITORS CONTACT: Florence Doller SVP & Director of Corporate Communications 607.337.6118 | fdoller@nbtbank.com KIMBERLY A. BOYNTON NAMED TO NBT BOARD OF DIRECTORS NORWICH, NY (September 21, 2026) - NBT Bancorp Inc. ("NBT" or the "Company") (NASDAQ: NBTB) announced today that Kimberly A. Boynton will join the Boards of Directors of NBT Bancorp Inc. and NBT Bank, N.A. on October 1, 2026. Boynton is the former President an…
Read attachment ↗ef20078819_ex99-1.htm · 8-K · 2026-07-27
EX-99.1 2 ef20078819_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE ATTENTION: FINANCIAL AND BUSINESS EDITORS ATTENTION: FINANCIAL AND BUSINESS EDITORS Contact: Scott A. Kingsley, President and CEO Annette L. Burns, Executive Vice President and CFO NBT Bancorp Inc. 52 South Broad Street …
Read attachment ↗ef20074237_ex99-1.htm · 8-K · 2026-05-19
EX-99.1 2 ef20074237_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE ATTENTION: FINANCIAL AND BUSINESS EDITORS ATTENTION: FINANCIAL AND BUSINESS EDITORS Contact: Scott A. Kingsley President and CEO Annette L. Burns, Executive Vice President and CFO NBT Bancorp Inc. 52 South Broad Street Norwich, NY 13815 607-337-6589 NBT BANCORP INC. ANNOUNCES CASH DIVIDEND NORWICH, NY (May 19, 2026) - The Board of Directors of NBT Bancorp Inc. (“NBT” or the “Company”) (NASDA…
Read attachment ↗ef20071127_ex99-1.htm · 8-K · 2026-04-23
EX-99.1 2 ef20071127_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE ATTENTION: FINANCIAL AND BUSINESS EDITORS Contact: Scott A. Kingsley, President and CEO Annette L. Burns, Executive Vice President and CFO NBT Bancorp Inc. 52 South Broad Street Norwich, NY 13815 607-337-6589 NBT BANCORP INC. ANNOUNCES FIRST QUARTER 2026 RESULTS NORWICH, NY (April 23, 2026) - NBT Bancorp Inc. (“NBT” or the “Company”) (NASDAQ: NBTB) reported net income and diluted earnings per sha…
Read attachment ↗ef20063876_ex99-1.htm · 8-K · 2026-01-26
EX-99.1 2 ef20063876_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE ATTENTION: FINANCIAL AND BUSINESS EDITORS Contact: Scott A. Kingsley, President and CEO Annette L. Burns, Executive Vice President and CFO NBT Bancorp Inc. 52 South Broad Street Norwich, NY 13815 607-337-6589 NBT BANCORP INC. ANNOUNCES FULL YEAR 2025 RESULTS AND DECLARES CASH DIVIDEND NORWICH, NY (January 26, 2026) - NBT Bancorp Inc. (“NBT” or the “Company”) (NASDAQ: NBTB) reported net income and…
Read attachment ↗ef20057742_ex99-1.htm · 8-K · 2025-10-27
EX-99.1 2 ef20057742_ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 FOR IMMEDIATE RELEASE ATTENTION: FINANCIAL AND BUSINESS EDITORS Contact: Scott A. Kingsley, President and CEO Annette L. Burns, Executive Vice President and CFO NBT Bancorp Inc. 52 South Broad Street Norwich, NY 13815 607-337-6589 NBT BANCORP INC. ANNOUNCES RECORD THIRD QUARTER 2025 RESULTS AND DECLARES CASH DIVIDEND NORWICH, NY (October 27, 2025) - NBT Bancorp Inc. (“NBT” or the “Company”) (NASDAQ: NBTB) reported net…
Read attachment ↗