NBT Bancorp Q3 net income rises to $54.5 million, or $1.03 per diluted share
NBT Bancorp reported third-quarter 2025 net income of $54.5 million, or $1.03 per diluted share, up from $38.1 million, or $0.80, a year earlier, and up from $22.5 million in the second quarter. The company said the Evans Bancorp acquisition, completed May 2, 2025, significantly affected the comparisons, and it also declared a fourth-quarter dividend of $0.37 per share and amended its buyback program to allow up to 2,000,000 shares.
Key points
- Net income $54.5 million and diluted EPS $1.03, versus $38.1 million and $0.80 in Q3 2024; operating diluted EPS was $1.05 (non-GAAP).
- Net interest margin on a fully taxable equivalent basis was 3.66%, up 7 basis points from the prior quarter.
- Quarterly dividend of $0.37 per share, an 8.8% increase over the fourth quarter of 2024, payable December 15, 2025.
- Buyback amended to allow up to 2,000,000 shares through December 31, 2027; no shares were repurchased in the third quarter.
The filing
Written by AI on Nov 8, 2026, 1:49 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 27, 2025.
Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.