NBT Bancorp Q4 Earnings Call Highlights

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MarketBeat

Tue, January 27, 2026 astatine 10:39 AM CST 8 min read

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Profitability and superior moves: NBT reported Q4 nett income of $55.5 cardinal ($1.06 per diluted share) and halfway operating EPS of $1.05, with operating ROA astatine 1.37% and ROTCE astatine 17.02%, portion tangible publication worth roseate to $26.54 (+11% YoY) and the slope repurchased astir 250,000 shares (~$10M) arsenic portion of its superior plan.
Balance expanse maturation and deposit mix: Total loans accrued 16.3% to $11.6 cardinal (including the Evans Bancorp acquisition) and deposits roseate astir $2.0 billion, with absorption shifting distant from higher-cost clip deposits toward checking, savings and money-market accounts—58% of deposits are no- oregon low-cost.
Margin, recognition and outlook: NIM was 3.65% successful Q4 (down 1 bp), absorption calls borderline positioning “neutral” with humble enlargement of ~2–3 bps/quarter possible, and flagged recognition items including $150–175M of unscheduled CRE payoffs successful 2025, a star indebtedness portfolio moving disconnected astir $100M/year, and a mid- to lower-single-digit indebtedness maturation outlook for 2026.
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NBT Bancorp (NASDAQ:NBTB) executives said fourth-quarter and full-year 2025 show reflected stronger fixed-rate plus repricing, diversified interest income, disciplined equilibrium expanse growth, and the interaction of the company’s merger with Evans Bancorp, which closed successful the 2nd quarter.

For the 4th quarter, NBT reported nett income of $55.5 million, oregon $1.06 per diluted share. On a halfway operating ground excluding acquisition-related expenses and securities gains, operating net were $1.05 per share, accordant with the anterior quarter, Chief Financial Officer Annette Burns said.

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President and CEO Scott Kingsley noted operating instrumentality connected assets was 1.37% for the 2nd consecutive quarter, with instrumentality connected tangible equity of 17.02%. Tangible publication worth per stock ended the twelvemonth astatine $26.54, up 11% from a twelvemonth earlier. Kingsley besides said the institution repurchased 250,000 shares successful the 4th quarter, describing buybacks arsenic portion of superior readying alongside integrated growth, dividend increases, and evaluating M&A opportunities.

NBT said full loans roseate $1.63 billion, oregon 16.3%, for the twelvemonth including acquired loans from Evans, bringing the indebtedness portfolio to $11.6 billion. Burns said commercialized accumulation remained beardown during 2025, though the institution saw higher commercialized existent property (CRE) payoffs. The indebtedness premix remained diversified, with 56% commercialized relationships and 44% user loans.