NBTB · Nbt Bancorp Inc
$52.96
-1.30 (-2.40%)
At close · Jul 30
Market Cap
$2.82B
Shares
52.01M
Nbt Bancorp Inc Earnings Call Transcripts
Every quarterly earnings call for Nbt Bancorp Inc (NBTB) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.
Earnings call
FY26 · Q2
2026-07-28
Nbt Bancorp Inc Q2 FY2026 Earnings Call
Results not yet reported
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY26 · Q1
2026-04-23
Nbt Bancorp Inc Q1 FY2026 Earnings Call
Confident tone
Net interest margin & asset/liability management
Commercial loan payoffs and pipeline
Noninterest income / fee businesses
Diluted EPS
$0.98
▲ 27.3% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q4
2026-01-26
Nbt Bancorp Inc Q4 FY2025 Earnings Call
Positive tone
Net interest margin and asset repricing
Capital deployment and M&A
Noninterest income and fee diversification
Results not yet reported
Audio
Transcript
Slides
8-K10-K
Earnings call
FY25 · Q3
2025-10-27
Nbt Bancorp Inc Q3 FY2025 Earnings Call
Confident tone
Evans merger integration
Loan and deposit growth
Capital management and shareholder returns
Diluted EPS
$1.03
▲ 28.8% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q2
2025-07-28
Nbt Bancorp Inc Q2 FY2025 Earnings Call
Confident tone
Evans Bancorp merger integration
Net interest margin and asset repricing
Credit quality and charge-offs
Diluted EPS
$0.44
▼ 36.2% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q1
2025-04-24
Nbt Bancorp Inc Q1 FY2025 Earnings Call
Positive tone
Evans Bancorp merger and integration
Future M&A and organic growth strategy
Deposit franchise and funding
Diluted EPS
$0.77
▲ 8.5% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q4
2025-01-27
Nbt Bancorp Inc Q4 FY2024 Earnings Call
Positive tone
Semiconductor Chip Corridor / Micron
Net Interest Margin and Net Interest Income Growth
Non-Interest Income Diversification
Results not yet reported
Audio
Transcript
Slides
8-K10-K
Earnings call
FY24 · Q3
2024-10-28
Nbt Bancorp Inc Q3 FY2024 Earnings Call
Confident tone
Net interest margin and earning asset yields
Loan and deposit growth
Credit quality and reserves
Diluted EPS
$0.80
▲ 48.1% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q2
2024-07-22
Nbt Bancorp Inc Q2 FY2024 Earnings Call
Positive tone
Net interest margin and loan growth
Noninterest income diversification
M&A and capital allocation
Diluted EPS
$0.69
▼ 1.4% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q1
2024-04-22
Nbt Bancorp Inc Q1 FY2024 Earnings Call
Positive tone
Loan growth
Semiconductor corridor / market opportunity
Net interest margin / funding costs
Diluted EPS
$0.71
▼ 9% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q4
2024-01-23
Nbt Bancorp Inc Q4 FY2023 Earnings Call
Positive tone
Net interest margin and funding costs
Fee-based businesses
Loan growth
Results not yet reported
Audio
Transcript
Slides
8-K10-K
Earnings call
FY23 · Q3
2023-10-24
Nbt Bancorp Inc Q3 FY2023 Earnings Call
Diluted EPS
$0.54
▼ 40% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q2
2023-07-31
Nbt Bancorp Inc Q2 FY2023 Earnings Call
Diluted EPS
$0.70
▼ 20.5% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q1
2023-04-24
Nbt Bancorp Inc Q1 FY2023 Earnings Call
Diluted EPS
$0.78
▼ 13.3% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q4
2023-01-23
Nbt Bancorp Inc Q4 FY2022 Earnings Call
Results not yet reported
Audio
Transcript
Slides
8-K10-K
Earnings call
FY22 · Q3
2022-10-25
Nbt Bancorp Inc Q3 FY2022 Earnings Call
Diluted EPS
$0.90
▲ 4.7% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q2
2022-07-25
Nbt Bancorp Inc Q2 FY2022 Earnings Call
Diluted EPS
$0.88
▼ 4.3% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q1
2022-04-25
Nbt Bancorp Inc Q1 FY2022 Earnings Call
Diluted EPS
$0.90
▼ 1.1% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q4
2022-01-26
Nbt Bancorp Inc Q4 FY2021 Earnings Call
Results not yet reported
Audio
Transcript
Slides
8-K10-K
Earnings call
FY21 · Q3
2021-10-26
Nbt Bancorp Inc Q3 FY2021 Earnings Call
Diluted EPS
$0.86
▲ 7.5% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q2
2021-07-26
Nbt Bancorp Inc Q2 FY2021 Earnings Call
Diluted EPS
$0.92
▲ 64.3% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q1
2021-04-26
Nbt Bancorp Inc Q1 FY2021 Earnings Call
Diluted EPS
$0.91
▲ 295.7% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q4
2021-01-27
Nbt Bancorp Inc Q4 FY2020 Earnings Call
Results not yet reported
Audio
Transcript
Slides
8-K10-K
Earnings call
FY20 · Q3
2020-10-26
Nbt Bancorp Inc Q3 FY2020 Earnings Call
Diluted EPS
$0.80
▲ 9.6% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q2
2020-07-27
Nbt Bancorp Inc Q2 FY2020 Earnings Call
Diluted EPS
$0.56
▼ 18.8% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-Q
Showing 1–25 of 25 earnings calls
Key facts
CIK
790359
CUSIP
628778102
13F (30d)
67 filings
67 filers
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