Earnings Releases·Oct 27, 2026, 4:30 PM ET

NBT Bancorp Inc. — Third Quarter 2026 Earnings Summary

Net income rose to $58.0 million ($1.11 per share) in Q3 2026, up from $54.5 million ($1.03 per share) in Q3 2025 and $53.0 million ($1.02 per share) in Q2 2026, driven by a 5.5% increase in net interest income and a 4.5% rise in total revenues.
The company returned capital to shareholders with a Q4 dividend increase of 8.1% to $0.40 per share and repurchased $1.0 million of stock in the quarter, while maintaining strong capital ratios with CET1 at 12.43%.
Loan growth was 3.0% year-over-year to $11.95 billion, with commercial and consumer lending expanding, though nonperforming assets ticked up to 0.43% of total assets.
Management provided no specific numerical forward guidance, citing results as "record" and positioning the firm for long-term value creation through continued investments in people and infrastructure.