NBT BANCORP INC
For the period ended Jun 30, 2026. Filed Aug 7, 2026.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Jun 30, 2026 · Filed Aug 7, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Table of Contents
| PART I · FINANCIAL INFORMATION | ||
|---|---|---|
| ITEM 1. · FINANCIAL STATEMENTS (Unaudited) | ||
| Consolidated Balance Sheets | 4 | |
| Consolidated Statements of Income | 5 | |
| Consolidated Statements of Comprehensive Income (Loss) | 6 | |
| Consolidated Statements of Changes in Stockholders’ Equity | 7 | |
| Consolidated Statements of Cash Flows | 8 | |
| Notes to Unaudited Interim Consolidated Financial Statements | 10 | |
| ITEM 2. | MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS | 37 |
| ITEM 3. | QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK | 57 |
| ITEM 4. | CONTROLS AND PROCEDURES | 57 |
| PART II | OTHER INFORMATION | |
| ITEM 1. | LEGAL PROCEEDINGS | 57 |
| ITEM 1A. | RISK FACTORS | 57 |
| ITEM 2. | UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS | 57 |
| ITEM 3. | DEFAULTS UPON SENIOR SECURITIES | 57 |
| ITEM 4. | MINE SAFETY DISCLOSURES | 57 |
| ITEM 5. | OTHER INFORMATION | 57 |
| ITEM 6. | EXHIBITS | 58 |
| SIGNATURES | 59 | |
GLOSSARY OF ABBREVIATIONS AND ACRONYMS
When references to “NBT”, “we,” “our,” “us,” and “the Company” are made in this report, we mean NBT Bancorp Inc. and our consolidated subsidiaries, unless the context indicates that we refer only to the parent company, NBT Bancorp Inc. When we refer to the “Bank” in this report, we mean our only bank subsidiary, NBT Bank, National Association, and its subsidiaries.
The acronyms and abbreviations identified below are used throughout this report, including the Notes to Unaudited Interim Consolidated Financial Statements. You may find it helpful to refer to this page as you read this report.
| AFS | available for sale |
|---|---|
| AIR | accrued interest receivable |
| AOCI | accumulated other comprehensive income (loss) |
| ASC | Accounting Standards Codification |
| ASU | Accounting Standards Update |
| bp(s) | basis point(s) |
| C&I | commercial & industrial |
| CECL | current expected credit losses |
| CME | Chicago Mercantile Exchange Clearing House |
| CODM | chief operating decision maker |
| CRE | commercial real estate |
| EPS | earnings per share |
| Evans | Evans Bancorp, Inc. |
| Evans Bank | Evans Bank, National Association |
| FASB | Financial Accounting Standards Board |
| FDIC | Federal Deposit Insurance Corporation |
| FHLB | Federal Home Loan Bank |
| FOMC | Federal Open Market Committee |
| FRB | Federal Reserve Board |
| FTE | fully taxable equivalent |
| GAAP | generally accepted accounting principles in the United States of America |
| GDP | Gross Domestic Product |
| HTM | held to maturity |
| LGD | loss given default |
| MMDA | money market deposit accounts |
| NASDAQ | The NASDAQ Stock Market LLC |
| NIM | net interest margin |
| OCC | Office of the Comptroller of the Currency |
| OREO | other real estate owned |
| PCD | purchased credit deteriorated |
| PD | probability of default |
| SEC | U.S. Securities and Exchange Commission |
| SOFR | Secured Overnight Financing Rate |
ITEM 1.
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.