Latest Quarterly Results
NBT Bancorp reported consolidated revenue of $185.1 million for the fourth quarter of 2025, an increase of 24.3% compared to the $148.9 million recorded in the same period of the previous year. Net profit for the quarter was $55.5 million, up 54.2% from $36.0 million in the fourth quarter of 2024.
Performance across the company’s primary operating segments included:
- Net Interest Income: $135.4 million, a 27.6% increase year-over-year.
- Wealth Management: $12.0 million in fees, an increase of 10.9% compared to the prior year.
- Retirement Plan Administration: Revenue grew 9.1% during the period.
- Insurance and Other Services: Noninterest income totaled $49.6 million, up 17.4% year-over-year.
Full-Year Results Context
For the full year 2025, NBT Bancorp recorded a 21.4% increase in annual revenue compared to 2024. Annual net income reached $169.2 million. The company reported that revenue growth outpaced the 13.1% increase in operating expenses for the fiscal year, indicating a trend of positive operating leverage.
Performance Summary
NBT Bancorp shares recorded a 0.89% decline during the latest trading session. The company reported a 54.2% increase in quarterly net profit and a 24.3% rise in revenue. Growth was sustained by the Evans Bancorp integration and increased fee income from wealth and retirement segments.