NBT Bancorp Inc.
NBT Bancorp Inc. (Nasdaq: NBTB) is a financial holding company whose principal business is commercial and retail banking and wealth management, serving individuals, businesses and municipalities across seven Northeastern states. Its NBT Bank subsidiary offers deposit accounts, consumer and commercial loans, mortgages,… From the company’s description.
Over the twelve months to Sep 30, 2026, NBT Bancorp Inc. reported revenue of $751.35M, up 13.8% from a year earlier, and net income of $217.71M. Its pre-tax margin was 37.5%. In fiscal 2025, it reported revenue of $697.04M, up 20.8% from fiscal 2024, and net income of $169.24M.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What NBT Bancorp Inc. does
In the company’s own words
NBT Bancorp Inc. (Nasdaq: NBTB) is a financial holding company whose principal business is commercial and retail banking and wealth management, serving individuals, businesses and municipalities across seven Northeastern states. Its NBT Bank subsidiary offers deposit accounts, consumer and commercial loans, mortgages, trust and investment services, financial planning and life insurance through branches and digital channels. The company also provides retirement plan administration through EPIC Advisors and personal, commercial and business insurance through NBT Insurance. Its two reportable segments are Banking and Retirement Plan Administration. At December 31, 2025, NBT had $16.00 billion in assets and 2,303 full-time-equivalent employees. In May 2025, it acquired Evans Bancorp, adding a Western New York banking presence, including 18 former Evans Bank locations. The company operates in New York, Pennsylvania, New Hampshire, Massachusetts, Vermont, Maine and Connecticut. Its website is https://www.nbtbank.com.
Company details
- Sector
- Financials
- Industry (SIC)
- Commercial Banks
- Headquarters
- NORWICH, NY
- Fiscal year end
- December
- CIK
- 790359
- SIC
- 6021
Financial performance, year by year
Fiscal 2011–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns NBT Bancorp Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · NBT Bancorp Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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