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NBT Bancorp
NBT Bancorp (NBTB) investor relations material
NBT Bancorp Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
Q4 2025 net income was $55.5 million ($1.06 per diluted share), up 54% year-over-year, with operating EPS at $1.05; results reflect positive operating leverage and the Evans Bancorp merger.
Tangible book value per share rose 11% year-over-year to $26.54, supported by asset remixing, funding cost management, and Evans balance sheet addition.
Non-banking businesses achieved record revenue and earnings for 2025; noninterest income represented 27% of total revenue and outperformed peers.
Dividend increased 8.8% year-over-year, marking 13 consecutive years of growth; Q1 2026 dividend set at $0.37 per share.
250,000 shares were repurchased in Q4 2025; strong capital levels support ongoing M&A evaluation and organic growth.
Financial highlights
Q4 2025 net income was $55.5 million, or $1.06 per diluted share; core operating earnings were $1.05 per share, flat sequentially.
Revenue grew 24.7% year-over-year to $185 million, driven by net interest and noninterest income, including Evans merger impact.
Total loans increased $1.63 billion (16.3%) year-over-year, reaching $11.6 billion; deposits rose $2 billion to $13.5 billion, with favorable shift to lower-cost accounts.
Net interest margin (NIM) for Q4 was 3.65%, down 1 bp sequentially but up 36 bps year-over-year; net interest income was $136.0 million, up $29.3 million year-over-year.
Noninterest income (excluding securities gains) was $49.6 million, up 17.4% year-over-year; noninterest expense was $111.7 million, up 11.9% year-over-year.
Outlook and guidance
Loan growth for 2026 expected in the mid- to low-single digits, with strong C&I and consumer lending activity, but commercial real estate payoffs remain a risk.
Net interest margin expected to remain stable, with potential for 2–3 bps expansion per quarter; further improvement depends on asset repricing and yield curve.
Net interest income growth will focus on earning asset growth rather than margin expansion.
Share repurchases at Q4 levels are expected to be sustainable and self-funded in future quarters.
Dividend for Q1 2026 set at $0.37 per share, up $0.03 from Q1 2025.
M&A accretion target and share repurchase capacity
New branch and hiring plans in growth markets
How do US-Canada tensions impact northern markets?
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Next NBT Bancorp earnings date
Q1 202624 Apr, 2026
NBT Bancorp
Next NBT Bancorp earnings date
Q1 202624 Apr, 2026
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Frequently asked questions
NBT Bancorp Inc is a financial holding company offering banking, wealth management, and insurance services. Through its subsidiary NBT Bank, the company provides loans, deposit accounts, retirement planning, and risk management solutions to individuals and businesses in the northeastern United States. The company is headquartered in Norwich, New York, and its shares are listed on the NASDAQ.
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