NBTB NBT BANCORP INC
FY2025 10-K
NBT BANCORP INC (NBTB) filed its fiscal year 2025 10-K annual report with the SEC on Feb 27, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Business Overview
- • Core business model: Regional bank holding company with $16.00 billion in consolidated assets as of Dec 31, 2025
- • Emphasis on enhanced regulatory compliance due to surpassing $10 billion asset threshold, including Volcker Rule and CFPB examinations
Management Discussion & Analysis
- • Revenue $328.4M, down 1.7% YoY from $334.1M in prior year
- • Net interest margin decreased to 3.15% vs 3.43% in prior year
Risk Factors
- • Regulatory risk from Expanded Guidance for Subprime Lending Programs by Federal bank regulators limiting subprime mortgage exposure
- • Macroeconomic risk from $4.80B commercial real estate loans including $405.3M construction loans, sensitive to borrower payment ability and financing availability
Financial SummaryXBRL
Revenue
$183M
Net Income
$169M
Net Margin
92.5%
ROE
8.9%
Total Assets
$16.0B
EPS (Diluted)
$3.33
Operating Cash Flow
$235M
Source: XBRL data from NBT BANCORP INC FY2025 10-K filing on SEC EDGAR. All figures in USD.
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