Call reports 2026
NBT FINANCIAL BANK — 2026
What NBT FINANCIAL BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 598,478,000 | 618,692,000 |
| Total loans | 449,614,000 | 458,420,000 |
| Allowance for loan losses | 6,060,000 | 5,926,000 |
| Securities available for sale | 6,336,000 | 6,328,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 521,801,000 | 540,118,000 |
| Interest-bearing deposits | 364,212,000 | 378,263,000 |
| Noninterest-bearing deposits | 157,589,000 | 161,855,000 |
| Equity capital | 62,999,000 | 64,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 8,913,000 | 18,214,000 |
| Interest expense | 2,828,000 | 5,622,000 |
| Net interest income | 6,085,000 | 12,592,000 |
| Noninterest income | 1,655,000 | 2,177,000 |
| Noninterest expense | 4,497,000 | 9,307,000 |
| Provision for loan losses | 438,000 | 313,000 |
| Pretax income | 2,793,000 | 4,937,000 |
| Income tax | 601,000 | 1,056,000 |
| Net income | 2,192,000 | 3,881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 63,515,000 | 65,311,000 |
| Total capital | 69,191,000 | 71,131,000 |
| Risk-weighted assets | 452,941,000 | 464,506,000 |