NBT BANCORP INC (NBTB) Q3 2025 10-Q Quarterly Report
NBT BANCORP INC (NBTB) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Nov 7, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.
NBT BANCORP INC Q3 2025 10-Q Analysis
Management Discussion & Analysis
- • Revenue $186.1M total (net interest income $134.7M + noninterest income $51.4M) Q3 2025, up 32.5% vs $140.1M Q3 2024 net interest income + 12.3% vs $45.8M Q3 2024 noninterest income
- • Operating net income $55.3M Q3 2025 vs $38.1M Q3 2024; diluted EPS $1.05 vs $0.80 YoY; NIM 3.66% vs 3.27% YoY; ROAE 11.86% vs 10.21% YoY
- • Best performer: Net interest income up $33.0M (32.5% YoY) driven by loan growth and Evans acquisition; Worst performer: Noninterest expense up 15.6% excluding acquisition costs, primarily due to acquisition and higher salaries
- • Loans $11.60B (+$1.63B from Dec 2024 including $1.67B from Evans); Deposits $13.66B (+$2.11B including $1.86B from Evans); Redeemed $118M subordinated debt in July 2025 to reduce cost of funds
- • Management highlights Evans Bancorp merger impact, acquisition-related expenses $1.1M Q3, $19.5M YTD; expects continued benefits from acquisition, notes rising loan loss provision $28.5M YTD partly acquisition-related; no formal guidance update provided
NBT BANCORP INC Q3 2025 Quarterly FinancialsXBRL
Revenue
$190M
▲ +21.9% YoY▲ +7.3% QoQ
Net Income
$54M
▲ +43.0% YoY▲ +142.0% QoQ
Net Margin
28.6%
▲ +421bp YoY▲ +1592bp QoQ
ROE
2.9%
Total Assets
$16.1B
EPS (Diluted)
$1.05
▲ +29.6% YoY▲ +138.6% QoQ
Operating Cash Flow
$81M
▲ +54.6% YoY▲ +73.4% QoQ
Source: XBRL data from NBT BANCORP INC Q3 2025 10-Q filing on SEC EDGAR. All figures in USD.
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