NBT Bancorp Inc. (NBTB)

NBT Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	580.06	552.85	462.67	332.77	302.18	307.86
Interest Income on Investments	65.89	58.82	60.12	51.3	37.7	40.42
Total Interest Income	645.95	611.67	522.79	384.07	339.88	348.28
Interest Paid on Deposits	186.73	186.95	104.64	9.92	10.71	22.07
Interest Paid on Borrowings	20	24.6	39.93	11.96	8.07	10.53
Total Interest Expense	206.73	211.55	144.57	21.88	18.79	32.6
Net Interest Income	439.22	400.12	378.22	362.19	321.09	315.68
Net Interest Income Growth (YoY)	13.66%	5.79%	4.43%	12.80%	1.71%	1.32%
Trust Income	43.4	41.64	34.76	33.31	33.72	29.25
Gain (Loss) on Sale of Investments	0.71	2.79	-14.07	-1.13	0.57	-0.39
Other Non-Interest Income	120.91	115.31	101.31	108.77	110.16	104.22
Total Non-Interest Income	182.58	176.82	137.43	155.58	157.79	146.28
Non-Interest Income Growth (YoY)	12.29%	28.67%	-11.67%	-1.40%	7.87%	1.56%
Revenues Before Loan Losses	621.8	576.95	515.65	517.77	478.88	461.95
Provision for Loan Losses	30.52	19.61	25.27	17.15	-8.26	51.13
Revenue	591.28	557.34	490.37	500.62	487.14	410.82
Revenue Growth (YoY)	14.42%	13.66%	-2.05%	2.77%	18.58%	-4.50%
Salaries and Employee Benefits	241.39	226.5	189.15	183.3	168.17	157.35
Federal Deposit Insurance	6.88	6.77	6.26	3.2	3.04	2.69
Amortization of Goodwill & Intangibles	9.3	8.44	4.73	2.26	2.81	3.4
Selling, General & Administrative	110.8	106.48	99.25	92.3	90.01	86.14
Other Non-Interest Expense	28.35	25.66	24.93	19.8	20.34	24.86
Total Non-Interest Expense	399.1	376.35	326.94	303.5	287.28	277.73
EBT Excluding Unusual Items	192.19	180.99	163.44	197.12	199.86	133.09
Pretax Income	172.25	179.46	153.46	196.16	199.86	133.09
Income Tax Expense	38.9	38.82	34.68	44.16	44.97	28.7
Net Income	133.36	140.64	118.78	152	154.89	104.39
Net Income to Common	133.36	140.64	118.78	152	154.89	104.39
Net Income Growth	9.68%	18.40%	-21.85%	-1.87%	48.37%	-13.74%
Basic Shares Outstanding	48	47	45	43	43	44
Diluted Shares Outstanding	48	47	45	43	44	44
Shares Change (YoY)	3.02%	5.95%	3.68%	-1.23%	-0.61%	-0.31%
EPS (Basic)	2.78	2.98	2.67	3.54	3.57	2.39
EPS (Diluted)	2.77	2.97	2.65	3.52	3.54	2.37
EPS Growth	7.37%	12.07%	-24.72%	-0.56%	49.37%	-13.50%
Dividend Per Share	1.360	1.320	1.240	1.160	1.100	1.080
Dividend Growth	6.25%	6.45%	6.90%	5.46%	1.85%	2.86%
Effective Tax Rate	22.58%	21.63%	22.60%	22.51%	22.50%	21.56%

Updated Jul 28, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q