NBT BANCORP INC (NBTB) FY2025 10-K Annual Report
NBT BANCORP INC (NBTB) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 27, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
NBT BANCORP INC FY2025 10-K Analysis
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
NBT BANCORP INC FY2025 Key Financial MetricsXBRL
Revenue
$183M
▲ +10.4% YoY
Net Income
$169M
▲ +20.3% YoY
Net Margin
92.5%
▲ +763bp YoY
ROE
8.9%
▼ -29bp YoY
Total Assets
$16.0B
▲ +16.0% YoY
EPS (Diluted)
$3.33
▲ +12.1% YoY
Operating Cash Flow
$235M
▲ +24.7% YoY
Source: XBRL data from NBT BANCORP INC FY2025 10-K filing on SEC EDGAR. All figures in USD.
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