NBT Bancorp Q1 2026 net income $51.1M, EPS $0.98 vs $0.77 YoY; NIM expands to 3.72%

NBT BANCORP INC

2026-Q1 EPS reported $0.98

Net income $51.1M, diluted EPS $0.98 vs $0.77 YoY; operating EPS $0.97.
Net interest margin on FTE basis 3.72%, up 7 bps QoQ and 28 bps YoY; total deposit cost down 10 bps to 1.34%.
Period-end deposits $13.74B (+$240M QoQ, +$2.03B YoY); loans $11.55B (-$50.9M QoQ, +$1.57B YoY including Evans).
Provision for loan losses $5.6M vs $3.8M prior quarter; net charge-offs 0.17% annualized; NPLs 0.53%.
Company repurchased 250,000 shares for $11.0M at avg $44.06; TBVPS $27.05 (+51 bps QoQ).

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