NBT Bancorp Inc. — Third Quarter 2026 Earnings Summary

NBT Bancorp Inc. reported record net income of $58.0 million, or $1.11 per diluted share, for the third quarter of 2026, representing a 6.4% increase from the same period in 2025. The company achieved a net interest margin of 3.78% on a fully taxable equivalent basis and grew total loans to $11.95 billion, driven by organic growth in commercial and consumer lending. Asset quality remained strong with nonperforming loans at 0.59% of total loans and an allowance for loan losses ratio of 1.17%. Additionally, the Board of Directors declared a fourth-quarter cash dividend of $0.40 per share, marking the fourteenth consecutive year of annual dividend increases.