NBT Bancorp Inc. (NBTB)
NASDAQ: NBTB · Real-Time Price · USD
42.01
+0.19 (0.45%)
Dec 5, 2025, 4:00 PM EST - Market closed
NBT Bancorp Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2019 - 2015 |
| Interest Income on Loans | 607.37 | 552.85 | 462.67 | 332.77 | 302.18 | 307.86 | Upgrade
|
| Interest Income on Investments | 72.82 | 58.82 | 60.12 | 51.3 | 37.7 | 40.42 | Upgrade
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| Total Interest Income | 680.19 | 611.67 | 522.79 | 384.07 | 339.88 | 348.28 | Upgrade
|
| Interest Paid on Deposits | 189.72 | 186.95 | 104.64 | 9.92 | 10.71 | 22.07 | Upgrade
|
| Interest Paid on Borrowings | 18.25 | 24.6 | 39.93 | 11.96 | 8.07 | 10.53 | Upgrade
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| Total Interest Expense | 207.97 | 211.55 | 144.57 | 21.88 | 18.79 | 32.6 | Upgrade
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| Net Interest Income | 472.21 | 400.12 | 378.22 | 362.19 | 321.09 | 315.68 | Upgrade
|
| Net Interest Income Growth (YoY) | 20.10% | 5.79% | 4.43% | 12.80% | 1.71% | 1.32% | Upgrade
|
| Trust Income | 43.57 | 41.64 | 34.76 | 33.31 | 33.72 | 29.25 | Upgrade
|
| Gain (Loss) on Sale of Investments | 0.23 | 2.79 | -14.07 | -1.13 | 0.57 | -0.39 | Upgrade
|
| Other Non-Interest Income | 126.09 | 115.31 | 101.31 | 108.77 | 110.16 | 104.22 | Upgrade
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| Total Non-Interest Income | 188.22 | 176.82 | 137.43 | 155.58 | 157.79 | 146.28 | Upgrade
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| Non-Interest Income Growth (YoY) | 11.94% | 28.67% | -11.67% | -1.40% | 7.87% | 1.56% | Upgrade
|
| Revenues Before Loan Losses | 660.43 | 576.95 | 515.65 | 517.77 | 478.88 | 461.95 | Upgrade
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| Provision for Loan Losses | 30.7 | 19.61 | 25.27 | 17.15 | -8.26 | 51.13 | Upgrade
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| Revenue | 629.73 | 557.34 | 490.37 | 500.62 | 487.14 | 410.82 | Upgrade
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| Revenue Growth (YoY) | 16.88% | 13.66% | -2.05% | 2.77% | 18.58% | -4.50% | Upgrade
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| Salaries and Employee Benefits | 247.76 | 226.5 | 189.15 | 183.3 | 168.17 | 157.35 | Upgrade
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| Federal Deposit Insurance | 7.32 | 6.77 | 6.26 | 3.2 | 3.04 | 2.69 | Upgrade
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| Amortization of Goodwill & Intangibles | 10.66 | 8.44 | 4.73 | 2.26 | 2.81 | 3.4 | Upgrade
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| Selling, General & Administrative | 115.5 | 106.48 | 99.25 | 92.3 | 90.01 | 86.14 | Upgrade
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| Other Non-Interest Expense | 30.13 | 25.66 | 24.93 | 19.8 | 20.34 | 24.86 | Upgrade
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| Total Non-Interest Expense | 413.91 | 376.35 | 326.94 | 303.5 | 287.28 | 277.73 | Upgrade
|
| EBT Excluding Unusual Items | 215.81 | 180.99 | 163.44 | 197.12 | 199.86 | 133.09 | Upgrade
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| Pretax Income | 195.3 | 179.46 | 153.46 | 196.16 | 199.86 | 133.09 | Upgrade
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| Income Tax Expense | 45.57 | 38.82 | 34.68 | 44.16 | 44.97 | 28.7 | Upgrade
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| Net Income | 149.73 | 140.64 | 118.78 | 152 | 154.89 | 104.39 | Upgrade
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| Net Income to Common | 149.73 | 140.64 | 118.78 | 152 | 154.89 | 104.39 | Upgrade
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| Net Income Growth | 10.85% | 18.40% | -21.85% | -1.87% | 48.37% | -13.74% | Upgrade
|
| Basic Shares Outstanding | 49 | 47 | 45 | 43 | 43 | 44 | Upgrade
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| Diluted Shares Outstanding | 50 | 47 | 45 | 43 | 44 | 44 | Upgrade
|
| Shares Change (YoY) | 4.67% | 5.95% | 3.68% | -1.23% | -0.61% | -0.31% | Upgrade
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| EPS (Basic) | 3.03 | 2.98 | 2.67 | 3.54 | 3.57 | 2.39 | Upgrade
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| EPS (Diluted) | 3.02 | 2.97 | 2.65 | 3.52 | 3.54 | 2.37 | Upgrade
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| EPS Growth | 5.89% | 12.07% | -24.72% | -0.56% | 49.37% | -13.50% | Upgrade
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| Dividend Per Share | 1.390 | 1.320 | 1.240 | 1.160 | 1.100 | 1.080 | Upgrade
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| Dividend Growth | 6.92% | 6.45% | 6.90% | 5.46% | 1.85% | 2.86% | Upgrade
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| Effective Tax Rate | 23.33% | 21.63% | 22.60% | 22.51% | 22.50% | 21.56% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.