Short answer
NBT BANCORP INC (NBTB) filed its Q3 2025 10-Q quarterly report on Nov 7, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $190M (up 21.9% year over year) with net income of $54M.
Q3 2025 key financials · XBRL
- Revenue
- $190M
- +21.9% YoY · +7.3% QoQ
- Net income
- $54M
- +43.0% YoY · +142.0% QoQ
- EPS (diluted)
- $1.05
- +29.6% YoY · +138.6% QoQ
Source: XBRL data from the NBT BANCORP INC (NBTB) Q3 2025 10-Q on SEC EDGAR. USD.
NBT BANCORP INC Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
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
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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