NBT BANCORP INC (NBTB) Form 8-K — Oct 27, 2026
NBT Bancorp (NASDAQ: NBTB) reported record third quarter 2026 results, with net income of $58.0 million and diluted EPS of $1.11, up from $1.03 a year earlier. Net interest margin expanded to 3.78%, up 12 bps year over year, while loans grew to $11.95 billion and nonperforming loans rose modestly to 0.59% of loans. Alongside earnings, the Board approved a fourth-quarter dividend of $0.40 per share — an 8.1% increase and the company's fourteenth consecutive year of annual dividend hikes — payable December 15, 2026 to holders of record December 1. The company also repurchased $1.0 million of stock in the quarter, with 1,297,923 shares still available under the plan.
Key figures
- Eps
- 1.11
- Revenue
- 192392000
- Guidance
- No formal guidance; CEO cited strong loan growth, NIM expansion, and strong capital positioning.
- Net Income
- 58028000
- Total Debt
- 569110000
- Total Assets
- 16393701000
- Shares Outstanding
- 51940582
- Cet1 ratio
- 12.43%
- Q4 dividend
- $0.40/share (+8.1% YoY)
- Operating eps
- 1.11
- Leverage ratio
- 9.99%
- Diluted eps yoy
- $1.11 vs $1.03 (Q3 2025)
- Period end loans
- $11.95 billion
- Allowance to loans
- 1.17%
- Effective tax rate
- 23.7%
- Noninterest income
- $52.9 million
- Noninterest expense
- $115.2 million
- Period end deposits
- $13.59 billion
- Loan to deposit ratio
- 87.9%
- Net interest income fte
- $142.7 million
- Net interest margin fte
- 3.78% (up 5 bps QoQ, up 12 bps YoY)
- Provision for loan losses
- $3.8 million
- Net charge offs to avg loans
- 0.14% annualized
- Tangible book value per share
- $27.75 (+4.6% YTD)
- Nonperforming loans to total loans
- 0.59%
AI analysis
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