Jun 2026 (Q2 FY26) — Jul 28, 2026
NBT Bancorp Q2 FY26 — Strong Loan Growth and NIM Expansion Drive Earnings
Read the full callNBT Bancorp (NBTB) earnings
- Jun 2026
- Jun 2026 (Q2 FY26)
- Dec 2025
NBT Bancorp earnings: last reported Tue, 28 Jul 2026, for the quarter ended Jun 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | Quarterly, as filed | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 53.0 | +135.6% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Price
$50.68 −0.33% · −$0.17
Performance +26.2% 1Y
1Y: $40.15 on 17 Oct 2025 → $50.68. High $54.26 (29 Jul 2026), low $39.61 (19 Nov 2025).
- Previous close
- $50.85
- 52-week range
- $39.61 – $54.26
- One year
- +24.37%
Overview
- Symbol
- NBTB
- Sector
- Financials
- Exchange
- US
- Currency
- USD
Call summaries
Every analysed call
NBT Bancorp earnings calls (NBTB)
Financials
What the filings say
Net profit, year on year: +136% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Profit before tax | 49 | 46 | 47 | 31 | 72 | 70 | 67 | 69 |
| Tax rate | 21.9% | 20.9% | 22.2% | 26.7% | 24.2% | 20.4% | 23.3% | 23.3% |
| Net profit | 38 | 36 | 37 | 23 | 54 | 56 | 51 | 53 |
| EPS ($ per share) | 0.81 | — | 0.78 | 0.45 | 1.04 | — | 0.98 | 1.02 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 |
| Reserves | 621 | 696 | 749 | 856 | 958 | 1,022 | 1,100 | 1,197 |
| Total liabilities | 8,538 | 8,596 | 9,745 | 10,762 | 10,566 | 11,883 | 12,261 | 14,099 |
| Fixed assets | 79 | 76 | 74 | 72 | 69 | 81 | 81 | 99 |
| Total assets | 9,556 | 9,716 | 10,933 | 12,012 | 11,739 | 13,309 | 13,787 | 15,995 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 148 | 153 | 145 | 159 | 183 | 157 | 189 | 235 |
| Cash from investing | -418 | -64 | -713 | -548 | -926 | -44 | -399 | 169 |
| Cash from financing | 291 | -53 | 1,023 | 985 | -329 | -105 | 289 | -201 |
| Capital expenditure | -7 | -7 | -8 | -8 | -7 | -9 | -12 | -16 |
| Free cash flow | 140 | 147 | 137 | 151 | 176 | 148 | 177 | 219 |
Insider filings
104 filings between Oct 30, 2025 and Jul 29, 2026.
Open market
decisions to buy or sellPurchases
$1.47M
4 purchases by 1 insider
Sales
$2.42M
8 sales by 6 insiders
Compensation
not trading decisions- 29
- Award — granted as compensation
- 61
- Tax withheld — shares kept back by the company to cover tax
Also filed: 1 gift, 1 code i.
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| DELANEY TIMOTHY E | $1.47M | — | Jan 28, 2026 |
| WATT JOHN H JR | — | $995.8K | Jun 9, 2026 |
| Halliday Sarah A | — | $486.4K | Jul 29, 2026 |
| Mahoney Ruth H | — | $477.4K | Jul 29, 2026 |
| Wiles Amy | — | $202.8K | Feb 17, 2026 |
| Sparks Martin Randolph | — | $156.8K | Jun 12, 2026 |
| Hoeller Heidi M | — | $100.9K | Jun 12, 2026 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Jul 29, 2026 | Halliday Sarah A EVP/Chief Comm Innovation Off | Sale | 9,000 | $486.4K |
| Jul 29, 2026 | Mahoney Ruth H EVP/President of Wealth Mgmt | Sale | 4,500 | $244.3K |
| Jun 12, 2026 | Hoeller Heidi M Director | Sale | 2,100 | $100.9K |
| Jun 12, 2026 | Sparks Martin Randolph EVP,General Counsel,Secretary | Sale | 1,200 | $57.7K |
| Jun 9, 2026 | WATT JOHN H JR Director | Sale | 21,000 | $995.8K |
| Jun 5, 2026 | Mahoney Ruth H EVP/President of Wealth Mgmt | Sale | 5,000 | $233.0K |
| May 19, 2026 | Ames Johanna R Director | Award | 1,050 | $0 |
| May 19, 2026 | Robinson V Daniel II Director | Award | 1,050 | $0 |
| May 19, 2026 | Hoeller Heidi M Director | Award | 1,050 | $0 |
| May 19, 2026 | CANTELE RICHARD J JR Director | Award | 1,050 | $0 |
| May 19, 2026 | WATT JOHN H JR Director | Award | 1,050 | $0 |
| May 19, 2026 | DELANEY TIMOTHY E Director | Award | 1,050 | $0 |
| May 19, 2026 | Brown Jason David Director | Award | 1,050 | $0 |
| May 19, 2026 | Salanger Matthew J Director | Award | 1,050 | $0 |
| May 19, 2026 | Kowalczyk Andrew S III Director | Award | 1,050 | $0 |
| May 19, 2026 | NASCA DAVID J Director | Award | 1,050 | $0 |
| May 19, 2026 | DIETRICH MARTIN A Director | Award | 1,050 | $0 |
| May 15, 2026 | Wiles Amy EVP, Chief Risk and Credit | Tax withheld | 2,453 | $108.2K |
| May 15, 2026 | Smaniotto Cynthia A EVP, Chief HR Officer | Tax withheld | 285 | $12.6K |
| May 15, 2026 | Sparks Martin Randolph EVP,General Counsel,Secretary | Tax withheld | 361 | $15.9K |
| May 11, 2026 | Halliday Sarah A EVP/Chief Comm Innovation Off | Code I | 4,016 | $180.0K |
| Mar 23, 2026 | Smaniotto Cynthia A SVP, Chief HR Officer | Award | 212 | $0 |
| Mar 23, 2026 | Smaniotto Cynthia A SVP, Chief HR Officer | Tax withheld | 47 | $2.0K |
| Mar 23, 2026 | Smaniotto Cynthia A SVP, Chief HR Officer | Tax withheld | 15 | $630 |
| Mar 23, 2026 | Smaniotto Cynthia A SVP, Chief HR Officer | Award | 2,042 | $0 |
| Mar 23, 2026 | Burns Annette L EVP & Chief Financial Officer | Award | 234 | $0 |
| Mar 23, 2026 | Hyle Shaunastar EVP, Retail Community Banking | Tax withheld | 612 | $25.7K |
| Mar 23, 2026 | Hyle Shaunastar EVP, Retail Community Banking | Tax withheld | 191 | $8.0K |
| Mar 23, 2026 | Hyle Shaunastar EVP, Retail Community Banking | Award | 2,751 | $0 |
| Mar 23, 2026 | Mahoney Ruth H EVP/President of Wealth Mgmt | Award | 2,961 | $0 |
| Mar 23, 2026 | Burns Annette L EVP & Chief Financial Officer | Tax withheld | 65 | $2.7K |
| Mar 23, 2026 | Burns Annette L EVP & Chief Financial Officer | Tax withheld | 21 | $882 |
| Mar 23, 2026 | Kingsley Scott Allen President & CEO NBT Bancorp | Award | 9,125 | $0 |
| Mar 23, 2026 | Sparks Martin Randolph EVP,General Counsel,Secretary | Award | 2,746 | $0 |
| Mar 23, 2026 | Sparks Martin Randolph EVP,General Counsel,Secretary | Tax withheld | 755 | $31.7K |
| Mar 23, 2026 | Sparks Martin Randolph EVP,General Counsel,Secretary | Award | 2,919 | $0 |
| Mar 23, 2026 | Wiles Amy EVP, Chief Risk and Credit | Award | 2,572 | $0 |
| Mar 23, 2026 | Wiles Amy EVP, Chief Risk and Credit | Award | 5,656 | $0 |
| Mar 23, 2026 | Wiles Amy EVP, Chief Risk and Credit | Tax withheld | 114 | $4.8K |
| Mar 23, 2026 | Stagliano Joseph R SEVP & President of NBT Bank | Tax withheld | 789 | $33.1K |
| Mar 23, 2026 | Stagliano Joseph R SEVP & President of NBT Bank | Award | 2,870 | $0 |
| Mar 23, 2026 | Sparks Martin Randolph EVP,General Counsel,Secretary | Tax withheld | 236 | $9.9K |
| Mar 23, 2026 | Stagliano Joseph R SEVP & President of NBT Bank | Tax withheld | 246 | $10.3K |
| Mar 23, 2026 | Stagliano Joseph R SEVP & President of NBT Bank | Award | 4,528 | $0 |
| Mar 23, 2026 | Mahoney Ruth H EVP/President of Wealth Mgmt | Award | 2,507 | $0 |
| Mar 23, 2026 | Kingsley Scott Allen President & CEO NBT Bancorp | Award | 3,526 | $0 |
| Mar 23, 2026 | Mahoney Ruth H EVP/President of Wealth Mgmt | Tax withheld | 689 | $28.9K |
| Mar 23, 2026 | Mahoney Ruth H EVP/President of Wealth Mgmt | Tax withheld | 215 | $9.0K |
| Mar 23, 2026 | Burns Annette L EVP & Chief Financial Officer | Award | 3,275 | $0 |
| Mar 23, 2026 | Kingsley Scott Allen President & CEO NBT Bancorp | Tax withheld | 125 | $5.2K |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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