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 Q3 2025 Key Financial Metrics
Revenue
$134.7M
Gross Profit
N/A
Operating Profit
$71.8M
Net Profit
$54.5M
Gross Margin
N/A
Operating Margin
53.3%
Net Margin
40.4%
YoY Growth
32.5%
EPS
$1.03
Financial Flow
NBT BANCORP INC Q3 2025 Financial Summary
NBT BANCORP INC reported revenue of $134.7M for Q3 2025, with a net profit of $54.5M (40.4% margin). Cost of goods sold was N/A, operating expenses totaled N/A.
Key Financial Metrics
| Total Revenue | $134.7M |
|---|---|
| Net Profit | $54.5M |
| Gross Margin | N/A |
| Operating Margin | 53.3% |
| Report Period | Q3 2025 |
NBT BANCORP INC Annual Revenue by Year
NBT BANCORP INC annual revenue history includes year-by-year totals (for example, 2024 revenue was $400.1M).
| Year | Annual Revenue |
|---|---|
| 2024 | $400.1M |
| 2023 | $378.2M |
| 2022 | $362.2M |
Income Statement
| Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $99.2M | $95.2M | $97.2M | $101.7M | $106.1M | $107.2M | $124.2M | $134.7M |
| YoY Growth | -0.6% | 0.1% | 9.1% | 7.1% | 7.0% | 12.7% | 27.8% | 32.5% |
Balance Sheet
| Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $13.31B | $13.44B | $13.50B | $13.84B | $13.79B | $13.86B | $16.01B | $16.11B |
| Liabilities | $11.88B | $12.00B | $12.04B | $12.32B | $12.26B | $12.30B | $14.21B | $14.26B |
| Equity | $1.43B | $1.44B | $1.46B | $1.52B | $1.53B | $1.57B | $1.81B | $1.85B |
Cash Flow
| Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $35.7M | $36.7M | $50.5M | $52.1M | $49.2M | $42.0M | $46.5M | $80.6M |
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