Inferra AI / Company / NBTB
Nbt Bancorp Inc
NBTB · Financials
Last earnings Oct 27, 2026
Key results
Net incomequarter
$54.5 million
Net income for the third quarter of 2025 was $54.5 million, or $1.03 per diluted common share, compared to $38.1 million, or $0.80 per diluted common share, for the third quarter of 2024, and $22.5 million, or $0.44 per diluted common share, for the second quarter of 2025.
SEC original ↗Nbt Bancorp Inc — Earnings release (8-K exhibit)EX-99Oct 27, 2025
Net income was $ 54.5 million and diluted
SEC original ↗Nbt Bancorp Inc — Earnings release (8-K exhibit)EX-99Oct 27, 2025
EPSquarter
$1.03
earnings per share was $1.03
SEC original ↗Nbt Bancorp Inc — Earnings release (8-K exhibit)EX-99Oct 27, 2025
Operating net incomequarter
$ 55.3 million
Operating net income was $ 55.3 million and operating diluted
SEC original ↗Nbt Bancorp Inc — Earnings release (8-K exhibit)EX-99Oct 27, 2025
earnings per share was $1.05 (1) Net Interest Income / NIM Net interest income on a fully taxable equivalent ( FTE ) basis was $135.3 million, an increase of $10.4 million from the prior quarter (1) Net interest margin ( NIM ) on an FTE basis was 3.66% (1)
SEC original ↗Nbt Bancorp Inc — Earnings release (8-K exhibit)EX-99Oct 27, 2025
Dividendquarter
$53.3 million
Stockholders equity increased $327.0 million from December 31, 2024 driven by the Evans acquisition adding $221.8 million of capital, net income generation of $113.7 million and a $41.8 million decrease in accumulated other comprehensive loss reflecting the change in the fair value of securities available for sale, partially offset by dividends declared of $53.3 million.
SEC original ↗Nbt Bancorp Inc — Earnings release (8-K exhibit)EX-99Oct 27, 2025
AI analysis
Q3 2025 · reported Oct 27, 2025
Based on: Earnings release + parent 8-K — transcript not held
Headline figures
| Metric | Q3 2025 | Prior qtr | Year ago |
|---|---|---|---|
| Net income | $54.5 million | — | — |
| EPS | $1.03 | — | — |
| Operating net income | $ 55.3 million | — | — |
| Dividend | $53.3 million | — | — |
Guidance · company-stated
No guidance located in the held release
Capital allocation
ANNOUNCES RECORD THIRD QUARTER 2025 RESULTS AND DECLARES CASH DIVIDEND NORWICH, NY (October 27, 2025) NBT Bancorp Inc.
Event summary
ANNOUNCES RECORD THIRD QUARTER 2025 RESULTS AND DECLARES CASH DIVIDEND NORWICH
Based on: Earnings release + parent 8-K — transcript not held
Guidance & outlook
No guidance located in the held release
Capital allocation
ANNOUNCES RECORD THIRD QUARTER 2025 RESULTS AND DECLARES CASH DIVIDEND NORWICH, NY (October 27, 2025) NBT Bancorp Inc.
SEC original ↗Nbt Bancorp Inc — Earnings release (8-K exhibit)EX-99Oct 27, 2025
Having increased our dividend for the thirteenth consecutive year, we approved a quarterly cash dividend for our shareholders of $0.37 per share, representing an increase of 8.8% over the prior year and illustrative of our ongoing commitment to providing favorable long-term returns.
SEC original ↗Nbt Bancorp Inc — Earnings release (8-K exhibit)EX-99Oct 27, 2025
The NIM on an FTE basis increased 39 bps from the third quarter of 2024 due to higher yields on earning assets, including acquisition-related net accretion and a decrease in the cost of borrowings.
SEC original ↗Nbt Bancorp Inc — Earnings release (8-K exhibit)EX-99Oct 27, 2025
In July of 2025, the Company redeemed $118 million of subordinated debt that had a weighted average rate of 5.45% using existing liquidity sources.
SEC original ↗Nbt Bancorp Inc — Earnings release (8-K exhibit)EX-99Oct 27, 2025
The $118 million of subordinated debt would have converted to a weighted average floating rate in excess of 9%.
SEC original ↗Nbt Bancorp Inc — Earnings release (8-K exhibit)EX-99Oct 27, 2025
Stockholders equity increased $327.0 million from December 31, 2024 driven by the Evans acquisition adding $221.8 million of capital, net income generation of $113.7 million and a $41.8 million decrease in accumulated other comprehensive loss reflecting the change in the fair value of securities available for sale, partially offset by dividends declared of $53.3 million.
SEC original ↗Nbt Bancorp Inc — Earnings release (8-K exhibit)EX-99Oct 27, 2025
Strategy & priorities
Technology and data services increased $0.4 million from the prior quarter and $1.3 million from the third quarter of 2024 primarily due to the Evans acquisition, timing of planned activities and ongoing investment in enterprise technology initiatives.
SEC original ↗Nbt Bancorp Inc — Earnings release (8-K exhibit)EX-99Oct 27, 2025
Professional fees and outside services increased $0.9 million from the prior quarter and $1.1 million from the third quarter of 2024 primarily due to the Evans acquisition and the timing of various initiatives.
SEC original ↗Nbt Bancorp Inc — Earnings release (8-K exhibit)EX-99Oct 27, 2025
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
31 documents- Q3 2026
- 8-KNBTB
Oct 27, 2026
- Q2 2026
- 8-KNBTB
Sep 21, 2026
- 8-KNBTB
Sep 8, 2026
- 10-QNBTB
Aug 7, 2026
- 8-KNBTB
Jul 27, 2026
- Q1 2026
- 8-KNBTB
May 19, 2026
- 8-KNBTB
May 18, 2026
- 10-QNBTB
May 8, 2026
- 8-KNBTB
May 4, 2026
- 8-KNBTB
Apr 23, 2026
- Q4 2025
- 10-KNBTB
Feb 27, 2026
- 8-KNBTB
Feb 10, 2026
- 8-KNBTB
Jan 26, 2026
- Q3 2025
- 10-QNBTB
Nov 7, 2025
- 8-KNBTB
Nov 4, 2025
- 8-KNBTB
Oct 27, 2025
- Q2 2025
- 8-KNBTB
Aug 29, 2025
- 10-QNBTB
Aug 8, 2025
- 8-KNBTB
Jul 28, 2025
- Q1 2025
- 8-KNBTB
May 20, 2025
- 8-KNBTB
May 19, 2025
- 8-KNBTB
May 14, 2025
- 10-QNBTB
May 9, 2025
- 8-KNBTB
May 5, 2025
- 8-KNBTB
Apr 24, 2025
- Q4 2024
- 8-KNBTB
Mar 24, 2025
- 10-KNBTB
Feb 28, 2025
- 8-KNBTB
Feb 12, 2025
- 8-KNBTB
Jan 27, 2025
- Q3 2024
- 8-KNBTB
Dec 20, 2024
- 8-KNBTB
Dec 13, 2024
Earnings releases
10 documentsPresentations
0 documentsNo presentations for Nbt Bancorp Inc are held in this edition of the library.
Transcripts
0 documentsNo transcripts for Nbt Bancorp Inc are held in this edition of the library.
See also the earnings calendar for every tracked company’s next earnings date.