NBT Bancorp Inc
NASDAQ:NBTB
Income Statement
Income Statement
NBT Bancorp Inc
| Mar-2002 | Jun-2002 | Sep-2002 | Dec-2002 | Mar-2003 | Jun-2003 | Sep-2003 | Dec-2003 | Mar-2004 | Jun-2004 | Sep-2004 | Dec-2004 | Mar-2005 | Jun-2005 | Sep-2005 | Dec-2005 | Mar-2006 | Jun-2006 | Sep-2006 | Dec-2006 | Mar-2007 | Jun-2007 | Sep-2007 | Dec-2007 | Mar-2008 | Jun-2008 | Sep-2008 | Dec-2008 | Mar-2009 | Jun-2009 | Sep-2009 | Dec-2009 | Mar-2010 | Jun-2010 | Sep-2010 | Dec-2010 | Mar-2011 | Jun-2011 | Sep-2011 | Dec-2011 | Mar-2012 | Jun-2012 | Sep-2012 | Dec-2012 | Mar-2013 | Jun-2013 | Sep-2013 | Dec-2013 | Mar-2014 | Jun-2014 | Sep-2014 | Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | Mar-2025 | Jun-2025 | Sep-2025 | Dec-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Interest Income |
142
|
145
|
147
|
147
|
147
|
145
|
144
|
144
|
146
|
147
|
149
|
151
|
152
|
155
|
157
|
158
|
159
|
162
|
162
|
164
|
164
|
164
|
165
|
165
|
169
|
173
|
179
|
186
|
190
|
192
|
194
|
197
|
199
|
202
|
204
|
203
|
201
|
201
|
200
|
200
|
201
|
200
|
202
|
204
|
207
|
219
|
229
|
238
|
248
|
248
|
250
|
252
|
253
|
253
|
253
|
253
|
255
|
258
|
261
|
264
|
268
|
272
|
277
|
284
|
289
|
295
|
300
|
306
|
310
|
313
|
313
|
312
|
311
|
313
|
313
|
316
|
318
|
316
|
316
|
321
|
322
|
331
|
348
|
362
|
377
|
379
|
379
|
378
|
378
|
386
|
393
|
400
|
412
|
439
|
472
|
502
|
|
| Interest Income |
247
|
240
|
233
|
227
|
223
|
217
|
210
|
207
|
206
|
206
|
208
|
210
|
214
|
221
|
228
|
236
|
247
|
261
|
276
|
289
|
298
|
303
|
305
|
306
|
305
|
302
|
298
|
294
|
289
|
285
|
279
|
273
|
270
|
266
|
261
|
256
|
250
|
246
|
243
|
240
|
239
|
237
|
238
|
239
|
241
|
252
|
261
|
269
|
277
|
275
|
275
|
275
|
274
|
273
|
274
|
273
|
276
|
280
|
283
|
287
|
291
|
296
|
302
|
309
|
316
|
325
|
334
|
344
|
355
|
363
|
367
|
368
|
366
|
360
|
352
|
348
|
343
|
340
|
337
|
340
|
340
|
347
|
364
|
384
|
414
|
443
|
481
|
523
|
556
|
586
|
605
|
612
|
619
|
646
|
680
|
711
|
|
| Interest Expense |
105
|
95
|
86
|
80
|
76
|
72
|
67
|
63
|
61
|
59
|
59
|
60
|
62
|
66
|
71
|
78
|
88
|
100
|
113
|
125
|
134
|
138
|
141
|
141
|
137
|
129
|
119
|
108
|
99
|
93
|
85
|
77
|
70
|
64
|
58
|
53
|
49
|
45
|
42
|
40
|
38
|
37
|
36
|
35
|
34
|
33
|
32
|
31
|
29
|
27
|
25
|
23
|
22
|
21
|
21
|
21
|
21
|
21
|
22
|
23
|
23
|
24
|
25
|
26
|
27
|
30
|
34
|
39
|
45
|
51
|
54
|
56
|
55
|
47
|
40
|
33
|
26
|
24
|
21
|
19
|
17
|
16
|
17
|
22
|
37
|
65
|
102
|
145
|
177
|
199
|
212
|
212
|
207
|
207
|
208
|
209
|
|
| Non Interest Income |
22
|
22
|
24
|
32
|
33
|
34
|
36
|
38
|
39
|
41
|
41
|
41
|
41
|
42
|
43
|
43
|
43
|
45
|
47
|
49
|
50
|
52
|
56
|
60
|
63
|
66
|
68
|
72
|
75
|
79
|
81
|
80
|
81
|
81
|
81
|
84
|
84
|
83
|
82
|
80
|
83
|
84
|
86
|
87
|
90
|
94
|
100
|
103
|
104
|
125
|
124
|
126
|
126
|
108
|
113
|
119
|
120
|
122
|
120
|
116
|
116
|
117
|
118
|
121
|
124
|
128
|
130
|
125
|
127
|
127
|
134
|
144
|
146
|
146
|
144
|
146
|
148
|
152
|
155
|
158
|
163
|
166
|
163
|
156
|
144
|
135
|
138
|
142
|
156
|
167
|
173
|
177
|
179
|
183
|
188
|
195
|
|
| Revenue |
164
N/A
|
167
+2%
|
171
+2%
|
178
+4%
|
179
+1%
|
179
0%
|
180
+1%
|
182
+1%
|
185
+1%
|
187
+1%
|
190
+1%
|
191
+1%
|
193
+1%
|
197
+2%
|
199
+1%
|
201
+1%
|
203
+1%
|
206
+2%
|
209
+1%
|
212
+2%
|
214
+1%
|
216
+1%
|
220
+2%
|
225
+2%
|
232
+3%
|
239
+3%
|
247
+3%
|
258
+4%
|
265
+3%
|
271
+2%
|
274
+1%
|
277
+1%
|
280
+1%
|
283
+1%
|
285
+1%
|
286
+0%
|
285
-1%
|
284
0%
|
283
0%
|
281
-1%
|
284
+1%
|
284
+0%
|
288
+1%
|
292
+1%
|
297
+2%
|
313
+6%
|
328
+5%
|
341
+4%
|
352
+3%
|
373
+6%
|
374
+0%
|
378
+1%
|
379
+0%
|
361
-5%
|
366
+1%
|
371
+1%
|
375
+1%
|
380
+1%
|
381
+0%
|
380
0%
|
385
+1%
|
389
+1%
|
395
+2%
|
405
+2%
|
412
+2%
|
422
+2%
|
431
+2%
|
430
0%
|
437
+2%
|
440
+1%
|
447
+2%
|
456
+2%
|
457
+0%
|
459
+1%
|
457
0%
|
462
+1%
|
465
+1%
|
468
+1%
|
471
+1%
|
479
+2%
|
486
+1%
|
497
+2%
|
510
+3%
|
518
+1%
|
521
+1%
|
513
-2%
|
517
+1%
|
520
+1%
|
534
+3%
|
554
+4%
|
566
+2%
|
577
+2%
|
591
+2%
|
622
+5%
|
660
+6%
|
697
+6%
|
|
| Pre-Tax Income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Loan Loss Provision |
(33)
|
(28)
|
(21)
|
(9)
|
(9)
|
(8)
|
(8)
|
(9)
|
(9)
|
(10)
|
(10)
|
(10)
|
(9)
|
(9)
|
(10)
|
(10)
|
(9)
|
(9)
|
(9)
|
(9)
|
(10)
|
(18)
|
(20)
|
(30)
|
(35)
|
(31)
|
(33)
|
(27)
|
(27)
|
(31)
|
(33)
|
(33)
|
(36)
|
(33)
|
(32)
|
(30)
|
(25)
|
(24)
|
(22)
|
(21)
|
(21)
|
(19)
|
(19)
|
(20)
|
(22)
|
(24)
|
(24)
|
(22)
|
(20)
|
(18)
|
(18)
|
(20)
|
(20)
|
(19)
|
(19)
|
(18)
|
(21)
|
(22)
|
(23)
|
(25)
|
(27)
|
(30)
|
(31)
|
(31)
|
(31)
|
(32)
|
(31)
|
(29)
|
(27)
|
(26)
|
(26)
|
(25)
|
0
|
0
|
0
|
0
|
3
|
8
|
11
|
8
|
5
|
(5)
|
(13)
|
(17)
|
(21)
|
(20)
|
(28)
|
(25)
|
(27)
|
(32)
|
(23)
|
(20)
|
(22)
|
(31)
|
(31)
|
(32)
|
|
| Non Interest Expense |
(124)
|
(125)
|
(121)
|
(103)
|
(103)
|
(103)
|
(104)
|
(105)
|
(106)
|
(106)
|
(107)
|
(110)
|
(112)
|
(114)
|
(116)
|
(115)
|
(117)
|
(120)
|
(121)
|
(123)
|
(123)
|
(120)
|
(121)
|
(123)
|
(126)
|
(133)
|
(139)
|
(147)
|
(155)
|
(162)
|
(166)
|
(171)
|
(170)
|
(173)
|
(176)
|
(178)
|
(181)
|
(180)
|
(181)
|
(181)
|
(184)
|
(188)
|
(193)
|
(194)
|
(206)
|
(215)
|
(222)
|
(229)
|
(226)
|
(232)
|
(245)
|
(246)
|
(246)
|
(242)
|
(232)
|
(236)
|
(237)
|
(239)
|
(239)
|
(236)
|
(239)
|
(239)
|
(240)
|
(246)
|
(249)
|
(253)
|
(259)
|
(265)
|
(269)
|
(270)
|
(273)
|
(275)
|
(307)
|
(325)
|
(325)
|
(329)
|
(296)
|
(284)
|
(287)
|
(287)
|
(292)
|
(296)
|
(300)
|
(305)
|
(312)
|
(314)
|
(328)
|
(342)
|
(354)
|
(365)
|
(370)
|
(378)
|
(386)
|
(419)
|
(434)
|
(445)
|
|
| Pre-Tax Income |
7
N/A
|
14
+114%
|
29
+103%
|
67
+134%
|
67
+0%
|
68
+1%
|
68
+0%
|
69
+1%
|
70
+2%
|
71
+2%
|
73
+2%
|
72
-1%
|
73
+1%
|
74
+1%
|
74
+1%
|
76
+3%
|
76
+0%
|
77
+1%
|
79
+3%
|
80
+1%
|
81
+1%
|
78
-4%
|
79
+1%
|
72
-9%
|
71
-1%
|
75
+5%
|
75
+0%
|
84
+12%
|
83
-1%
|
79
-5%
|
76
-3%
|
73
-5%
|
73
+1%
|
77
+5%
|
77
N/A
|
78
+2%
|
79
+1%
|
79
+1%
|
80
+1%
|
79
-1%
|
78
-1%
|
76
-2%
|
76
0%
|
77
+2%
|
69
-11%
|
74
+8%
|
82
+11%
|
90
+10%
|
106
+17%
|
123
+16%
|
112
-9%
|
112
+1%
|
113
+1%
|
100
-11%
|
114
+14%
|
117
+2%
|
118
+1%
|
119
+1%
|
119
0%
|
119
+0%
|
119
N/A
|
121
+2%
|
125
+3%
|
128
+3%
|
133
+3%
|
137
+3%
|
141
+3%
|
137
-3%
|
141
+3%
|
144
+2%
|
148
+2%
|
155
+5%
|
130
-16%
|
122
-6%
|
127
+4%
|
133
+5%
|
172
+29%
|
193
+12%
|
195
+1%
|
200
+2%
|
199
0%
|
196
-2%
|
198
+1%
|
196
-1%
|
189
-4%
|
179
-5%
|
160
-10%
|
153
-4%
|
153
0%
|
157
+2%
|
174
+11%
|
179
+3%
|
183
+2%
|
172
-6%
|
195
+13%
|
219
+12%
|
|
| Net Income | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Tax Provision |
(2)
|
(4)
|
(9)
|
(22)
|
(22)
|
(22)
|
(21)
|
(22)
|
(22)
|
(22)
|
(23)
|
(22)
|
(22)
|
(23)
|
(22)
|
(24)
|
(23)
|
(23)
|
(24)
|
(24)
|
(25)
|
(24)
|
(24)
|
(22)
|
(22)
|
(23)
|
(23)
|
(25)
|
(25)
|
(24)
|
(23)
|
(21)
|
(21)
|
(21)
|
(20)
|
(21)
|
(21)
|
(21)
|
(22)
|
(21)
|
(21)
|
(21)
|
(21)
|
(23)
|
(20)
|
(22)
|
(25)
|
(28)
|
(34)
|
(40)
|
(37)
|
(37)
|
(38)
|
(34)
|
(39)
|
(40)
|
(41)
|
(41)
|
(41)
|
(40)
|
(39)
|
(39)
|
(40)
|
(42)
|
(40)
|
(38)
|
(35)
|
(30)
|
(31)
|
(32)
|
(32)
|
(34)
|
(28)
|
(26)
|
(28)
|
(29)
|
(38)
|
(44)
|
(44)
|
(45)
|
(45)
|
(44)
|
(44)
|
(44)
|
(43)
|
(40)
|
(36)
|
(35)
|
(35)
|
(35)
|
(39)
|
(39)
|
(40)
|
(39)
|
(46)
|
(50)
|
|
| Income from Continuing Operations |
5
|
10
|
20
|
45
|
46
|
46
|
46
|
47
|
48
|
49
|
50
|
50
|
51
|
51
|
52
|
52
|
53
|
54
|
55
|
56
|
56
|
54
|
55
|
50
|
50
|
53
|
53
|
58
|
58
|
55
|
53
|
52
|
53
|
56
|
57
|
57
|
58
|
58
|
59
|
58
|
57
|
56
|
55
|
55
|
49
|
52
|
57
|
62
|
72
|
83
|
74
|
75
|
75
|
67
|
76
|
76
|
77
|
78
|
78
|
78
|
80
|
81
|
84
|
87
|
92
|
99
|
106
|
107
|
110
|
113
|
115
|
121
|
102
|
97
|
99
|
104
|
134
|
149
|
152
|
155
|
154
|
152
|
153
|
152
|
147
|
139
|
125
|
119
|
119
|
122
|
135
|
141
|
144
|
133
|
150
|
169
|
|
| Net Income (Common) |
5
N/A
|
10
+90%
|
20
+100%
|
45
+127%
|
46
+1%
|
46
+1%
|
46
+1%
|
47
+2%
|
48
+2%
|
49
+2%
|
50
+2%
|
50
+1%
|
51
+1%
|
51
+1%
|
52
+2%
|
52
+1%
|
53
+2%
|
54
+2%
|
55
+2%
|
56
+1%
|
56
+1%
|
54
-4%
|
55
+1%
|
50
-8%
|
50
-1%
|
53
+5%
|
53
N/A
|
58
+11%
|
58
-1%
|
55
-5%
|
53
-3%
|
52
-2%
|
53
+2%
|
56
+5%
|
57
+2%
|
57
+1%
|
58
+1%
|
58
+1%
|
59
+1%
|
58
-1%
|
57
-1%
|
56
-2%
|
55
-1%
|
55
-1%
|
49
-11%
|
52
+7%
|
57
+9%
|
62
+8%
|
72
+17%
|
83
+15%
|
74
-10%
|
75
+1%
|
75
+0%
|
67
-11%
|
76
+13%
|
76
+1%
|
77
+1%
|
78
+1%
|
78
+0%
|
78
+1%
|
80
+2%
|
81
+2%
|
84
+4%
|
82
-2%
|
88
+7%
|
95
+8%
|
102
+7%
|
113
+11%
|
116
+3%
|
118
+2%
|
121
+2%
|
121
+0%
|
102
-15%
|
97
-6%
|
99
+3%
|
104
+5%
|
134
+28%
|
149
+12%
|
152
+2%
|
155
+2%
|
154
-1%
|
152
-2%
|
153
+1%
|
152
-1%
|
147
-4%
|
139
-5%
|
125
-10%
|
119
-5%
|
119
+0%
|
122
+2%
|
135
+11%
|
141
+4%
|
144
+2%
|
133
-7%
|
150
+12%
|
169
+13%
|
|
| EPS (Diluted) |
0.15
N/A
|
0.29
+93%
|
0.59
+103%
|
1.35
+129%
|
1.37
+1%
|
1.39
+1%
|
1.41
+1%
|
1.43
+1%
|
1.45
+1%
|
1.47
+1%
|
1.55
+5%
|
1.51
-3%
|
1.55
+3%
|
1.57
+1%
|
1.58
+1%
|
1.6
+1%
|
1.57
-2%
|
1.57
N/A
|
1.61
+3%
|
1.64
+2%
|
1.65
+1%
|
1.6
-3%
|
1.66
+4%
|
1.51
-9%
|
1.53
+1%
|
1.62
+6%
|
1.62
N/A
|
1.8
+11%
|
1.76
-2%
|
1.59
-10%
|
1.55
-3%
|
1.53
-1%
|
1.55
+1%
|
1.63
+5%
|
1.65
+1%
|
1.66
+1%
|
1.67
+1%
|
1.68
+1%
|
1.74
+4%
|
1.71
-2%
|
1.7
-1%
|
1.67
-2%
|
1.62
-3%
|
1.62
N/A
|
1.31
-19%
|
1.17
-11%
|
1.3
+11%
|
1.46
+12%
|
1.63
+12%
|
1.87
+15%
|
1.68
-10%
|
1.69
+1%
|
1.7
+1%
|
1.49
-12%
|
1.71
+15%
|
1.72
+1%
|
1.76
+2%
|
1.79
+2%
|
1.78
-1%
|
1.8
+1%
|
1.8
N/A
|
1.86
+3%
|
1.92
+3%
|
1.87
-3%
|
1.99
+6%
|
2.15
+8%
|
2.3
+7%
|
2.55
+11%
|
2.62
+3%
|
2.68
+2%
|
2.73
+2%
|
2.74
+0%
|
2.31
-16%
|
2.18
-6%
|
2.25
+3%
|
2.37
+5%
|
3.05
+29%
|
3.41
+12%
|
3.47
+2%
|
3.54
+2%
|
3.54
N/A
|
3.5
-1%
|
3.54
+1%
|
3.52
-1%
|
3.4
-3%
|
3.22
-5%
|
2.74
-15%
|
2.65
-3%
|
2.51
-5%
|
2.56
+2%
|
2.85
+11%
|
2.97
+4%
|
3.02
+2%
|
2.62
-13%
|
2.84
+8%
|
3.33
+17%
|
|