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Dec 31, 2025
NBT Q4 2025 Earnings Report
reported strong Q4 results driven by the Evans Bancorp acquisition and solid net interest income performance.
Key Takeaways
NBT Bancorp closed Q4 2025 with solid profitability, record net revenues, and strong margin performance, aided by successful integration of Evans Bancorp.
Q4 net income rose to $55.5M, up from $36.0M in Q4 2024.
EPS increased to $1.06, with operating EPS at $1.05.
Total revenue reached $185,100,000, boosted by higher net interest income and noninterest income growth.
Evans Bancorp acquisition added significant loan and deposit growth.
Revenue by Segment
Forward Guidance
Management expressed confidence following a successful integration of Evans Bancorp and continued growth in core metrics, but noted potential macroeconomic headwinds.
Positive Outlook
- Completed successful Evans Bancorp acquisition
- Posted record net revenues
- EPS growth supported by positive operating leverage
- Tangible book value increased to $26.54
- Dividend raised for the 13th consecutive year
Challenges Ahead
- Net interest margin slightly declined QoQ
- Earning asset yields fell due to Fed rate cuts
- Provision for loan losses increased from prior quarter
- Deposit growth mostly tied to acquisition, not organic
- Loan growth excluding Evans was modest
Historical Earnings Impact
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Avg. Return Before/After Earnings
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