Call reports 2026
NBT BANK, NATIONAL ASSOCIATION — 2026
What NBT BANK, NATIONAL ASSOCIATION 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 | 16,090,102,000 | 16,091,731,000 |
| Total loans | 11,547,440,000 | 11,874,081,000 |
| Allowance for loan losses | 138,600,000 | 140,500,000 |
| Securities available for sale | 1,918,526,000 | 2,006,206,000 |
| Securities held to maturity | 748,607,000 | 755,086,000 |
| Trading assets | 0 | 0 |
| Total deposits | 13,891,407,000 | 13,677,927,000 |
| Interest-bearing deposits | 12,701,234,000 | 12,353,630,000 |
| Noninterest-bearing deposits | 1,190,173,000 | 1,324,297,000 |
| Equity capital | 1,850,985,000 | 1,858,627,000 |
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 | 182,629,000 | 368,371,000 |
| Interest expense | 46,098,000 | 92,587,000 |
| Net interest income | 136,531,000 | 275,784,000 |
| Noninterest income | 30,978,000 | 62,322,000 |
| Noninterest expense | 100,305,000 | 200,242,000 |
| Provision for loan losses | 5,577,000 | 11,713,000 |
| Pretax income | 61,871,000 | 126,404,000 |
| Income tax | 14,567,000 | 29,622,000 |
| Net income | 47,304,000 | 96,782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 1,467,678,000 | 1,480,127,000 |
| Total capital | 1,602,400,000 | 1,617,353,000 |
| Risk-weighted assets | 12,169,189,000 | 12,543,968,000 |