NBT Bancorp Inc income statement

In fiscal 2025, NBT Bancorp Inc reported revenue of $697m, up 20.8% on the year before and net income of $169m, or $3.33 per diluted share. Every line below comes from the company's 10-K and 10-Q filings; column headings link to the filing.

Income statement

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

NBT Bancorp Inc: income statement, annual
Fiscal year	2009Dec 2009	2010Dec 2010	2011Dec 2011	2012Dec 2012	2013Dec 2013	2014Dec 2014	2015Dec 2015	2016Dec 2016	2017Dec 2017	2018Dec 2018	2019Dec 2019	2020Dec 2020	2021Dec 2021	2022Dec 2022	2023Dec 2023	2024Dec 2024	2025Dec 2025	LTMJun 2026
Revenue	277	286	281	292	341	378	371	380	405	430	456	462	479	518	520	577	697	742
Interest expense	77	53	40	35	31	23	21	23	26	39	56	33	19	22	145	—	—	—
Net interest income	196	203	200	204	238	252	253	264	283	306	312	316	321	362	378	400	502	541
Non-interest income	80	84	80	87	103	126	118	116	121	125	144	146	158	156	142	177	195	201
Non-interest expense	171	178	181	194	229	246	236	236	246	265	275	278	287	304	342	378	445	447
Provision for credit losses	33	30	21	20	22	20	18	25	31	29	25	51	−8	17	25	20	32	19
Income before tax	73	78	79	77	90	112	117	119	128	137	155	133	200	196	153	179	219	277
Income tax	21	21	21	23	28	37	40	40	46	24	34	29	45	44	35	39	50	63
Net income	52	57	58	55	62	75	76	78	82	113	121	104	155	152	119	141	169	214
Diluted EPS	$1.53	$1.66	$1.71	$1.62	$1.46	$1.69	$1.72	$1.80	$1.87	$2.56	$2.74	$2.37	$3.54	$3.52	$2.65	$2.97	$3.33	$4.08
Diluted shares (average)	34m	35m	34m	34m	42m	44m	44m	44m	44m	44m	44m	44m	44m	43m	45m	47m	51m	52m

US$ millions unless shown otherwise. Fiscal quarters.

NBT Bancorp Inc: income statement, quarterly
Quarter	2024 Q3Sept 2024	2024 Q4Dec 2024	2025 Q1Mar 2025	2025 Q2Jun 2025	2025 Q3Sept 2025	2025 Q4Dec 2025	2026 Q1Mar 2026	2026 Q2Jun 2026
Revenue	147	149	155	171	186	185	184	187
Net interest income	102	106	107	124	135	135	134	137
Non-interest income	46	42	47	47	51	50	50	50
Non-interest expense	96	101	100	123	111	112	112	111
Provision for credit losses	3	2	8	18	3	4	6	6
Income before tax	49	46	47	31	72	70	67	69
Income tax	11	10	10	8	17	14	16	16
Net income	38	36	37	23	54	56	51	53
Diluted EPS	$0.80	$0.76	$0.77	$0.44	$1.03	$1.07	$0.98	$1.02

EBITDA is operating income plus depreciation and amortisation. EPS and share counts are restated for stock splits. A dash means the company did not report the line for that period; expense lines are shown as reported, so they need not add up to the totals when a company reports other items between them.

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Figures from NBT Bancorp Inc's SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to NBT Bancorp Inc.