NBT BANCORP INCNBTBEarnings & Financial Report
NBT Bank, N.A. is an American financial institution that operates through a network of 176 banking locations in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut. NBT Bank and its parent company, NBT Bancorp Inc., are headquartered in Norwich, New York, United States. NBT Bancorp is traded on the Nasdaq Global Select Market under the symbol NBTB.
NBTB Q1 FY2026 Key Financial Metrics
Revenue
$184.5M
Gross Profit
N/A
Operating Profit
N/A
Net Profit
$51.1M
Gross Margin
N/A
Operating Margin
N/A
Net Margin
27.7%
YoY Growth
N/A
EPS
$0.98
NBT BANCORP INC Q1 FY2026 Financial Summary
NBT BANCORP INC reported revenue of $184.5M for Q1 FY2026, with a net profit of $51.1M (up 127.2% YoY) (27.7% margin).
Key Financial Metrics
| Total Revenue | $184.5M |
|---|---|
| Net Profit | $51.1M |
| Gross Margin | N/A |
| Operating Margin | N/A |
| Report Period | Q1 FY2026 |
Revenue Breakdown
NBT BANCORP INC Q1 FY2026 revenue of $184.5M breaks down across 2 segments, led by Net Interest Income at $134.3M (72.8% of total).
| Segment | Revenue | % of Total |
|---|---|---|
| Net Interest Income | $134.3M | 72.8% |
| Noninterest Income | $50.1M | 27.2% |
NBT BANCORP INC Annual Revenue by Year
NBT BANCORP INC annual revenue history includes year-by-year totals (for example, 2025 revenue was $697.0M).
NBT BANCORP INC Quarterly Revenue & Net Profit History
NBT BANCORP INC results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q1 FY2026 | $184.5M | — | $51.1M | 27.7% |
| Q4 FY2025 | $185.1M | +24.7% | N/A | N/A |
| Q3 FY2025 | $186.1M | +26.2% | $54.5M | 29.3% |
| Q2 FY2025 | $171.2M | +21.9% | $22.5M | 13.2% |
| Q1 FY2025 | $154.7M | +10.0% | $36.7M | 23.8% |
| Q4 FY2024 | $148.5M | +7.9% | N/A | N/A |
| Q3 FY2024 | $147.4M | +9.1% | $38.1M | 25.8% |
| Q2 FY2024 | $140.4M | +15.9% | $32.7M | 23.3% |
Income Statement
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $140.4M | $147.4M | $148.5M | $154.7M | $171.2M | $186.1M | $185.1M | $184.5M |
| YoY Growth | 15.9% | 9.1% | 7.9% | 10.0% | 21.9% | 26.2% | 24.7% | N/A |
Balance Sheet
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $13.50B | $13.84B | $13.79B | $13.86B | $16.01B | $16.11B | $16.00B | $16.20B |
| Liabilities | $12.04B | $12.32B | $12.26B | $12.30B | $14.21B | $14.26B | $14.10B | $14.29B |
| Equity | $1.46B | $1.52B | $1.53B | $1.57B | $1.81B | $1.85B | $1.90B | $1.91B |
Cash Flow
| Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|
| Operating CF | $50.5M | $52.1M | $188.6M | $42.0M | $46.5M | $80.6M | $235.2M |