NBT Bancorp (NBTB) Q2 FY26 earnings call

NBT Bancorp delivered a solid Q2 FY26, marked by significant earnings improvement driven by robust loan growth across all business lines and expanded net interest margin. The company maintained positive operating leverage and increased its dividend for the 14th consecutive year, reflecting strong capital generation and a commitment to shareholder returns. Management highlighted strategic investments in new markets and continued benefits from prior acquisitions, positioning the franchise for sustainable growth despite elevated commercial loan payoffs and seasonal deposit fluctuations.