NBT Bancorp Inc. reported Q3 2025 financial results, posting net income of $54.5 million and diluted earnings per share of $1.03, up from $38.1 million and $0.80 in the same quarter of 2024.
Revenue for the quarter reached $186.1 million, a 26.1% increase year over year, driven in part by the May 2, 2025 acquisition of Evans Bancorp, which added 18 branches, $1.67 billion in loans and $1.86 billion in deposits.
The bank also announced a quarterly cash dividend of $0.37 per share, an 8.8% increase over the prior year’s dividend, marking the thirteenth consecutive year of dividend growth.
Net interest income rose 32.5% to $134.7 million, while the net interest margin on a fully taxable equivalent basis increased to 3.66%, up 7 basis points from the prior quarter and 39 basis points from Q3 2024.
NBT Bancorp’s capital profile remained strong, with a CET1 ratio of 11.80%, a leverage ratio of 9.34% and a total risk‑based capital ratio of 13.97% as of September 30, 2025.
The company’s return on average assets was 1.35% and return on average tangible common equity was 17.35%, underscoring its efficient use of capital.
Analysts had expected diluted EPS of $0.97; the reported $1.03 beat consensus, and revenue also exceeded expectations.
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