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).

item 2.02 item 9.01

Key facts

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Earnings Releases SEC 8-K Item 2.02 confidence 0.9

NBT BANCORP INC reported the three months ended March 31, 2026 results: net income $51.1 million, EPS $0.98 per diluted common share.

Period: the three months ended March 31, 2026
Net income: $51.1 million
EPS: $0.98 per diluted common share
Result: reported results

Exact text from the filing

NBT Bancorp Inc. (“NBT” or the “Company”) (NASDAQ: NBTB) reported net income and diluted earnings per share for the three months ended March 31, 2026. Net income for the first quarter of 2026 was $51.1 million, or $0.98 per diluted common share, compared to $36.7 million, or $0.77 per diluted common share, for the first quarter of 2025, and $55.5 million, or $1.06 per diluted common share, for the fourth quarter of 2025.

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Source: SEC EDGAR

accession 0001140361-26-016398

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