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NBT Bancorp NBTB · USD

Financials · US listing · 🇺🇸 United States

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53.64

+1.53%

Close of 9 Nov 2026, in USD

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NBT Bancorp annual report

Filed with the US Securities and Exchange Commission

10-K

The latest annual report covers the year to 31 Dec 2025, filed on 27 Feb 2026.

Read the 10-K on SEC.gov ↗

Five-year highlights

In USD.

FY2025FY2024FY2023FY2022FY2021
Revenue, before interest expense$867.4m$786.0m$662.3m$537.0m$494.8m
Operating income$219.4m$179.5m$153.5m$196.2m$199.9m
Net income$169.2m$140.6m$118.8m$152.0m$154.9m
Total assets$16.00bn$13.79bn$13.31bn$11.74bn$12.01bn
Shareholders' equity$1.90bn$1.53bn$1.43bn$1.17bn$1.25bn

Revenue by business

Year to 31 Dec 2025

  • Retirement Plan Administration Fees [Member] $61.6m · 33.7%
  • Wealth Management [Member] $44.8m · 24.5%
  • ATM fees are primarily generated when a Company cardholder uses a non-Company ATM or a non-Company cardholder uses a Company ATM. $24.0m · 13.1%
  • Service Charges on Deposit Accounts [Member] $19.1m · 10.4%
  • Insurance and other financial services revenue primarily consists of commissions received on insurance. The Company acts as an intermediary between the Company's customer and the insurance carrier. $18.0m · 9.9%
  • Other [Member] $15.5m · 8.5%

Filings

Newest first, from SEC EDGAR

Sources and methodology

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