NBT BANCORP INC NBTB 77.2
Financials · NASDAQ · Data as of 2026-08-07
NBT BANCORP INC (NBTB) has delivered +5.1% annualized revenue growth, +7.6% earnings growth, and +6.4% dividend growth over 10 years of data. Ranked #146 of 1968 stocks overall and #38 of 212 in the Financials sector by Steady Score.
About NBT BANCORP INC
Company Overview
NBT Bancorp is a financial holding company centered on NBT Bank, serving communities in the northeastern United States. It offers deposits, commercial and consumer loans, residential mortgages, treasury management and municipal banking. Other subsidiaries provide retirement plan administration, wealth management and insurance services. Customers access the company through branches, relationship teams and digital channels across upstate New York and neighboring states.
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Business Model & Revenue
NBT earns most revenue from interest on loans and securities funded by customer deposits and borrowings. Fee income comes from retirement-plan administration, trust and investment services, insurance, cards and deposit accounts. Local relationships support deposit gathering and lending, while acquisitions have expanded geography and services. Profitability depends on interest-rate spreads, loan growth, deposit costs, credit quality, operating efficiency and integration execution.
Key Facts & Market Position
The company combines a regional community-bank franchise with meaningful fee businesses, particularly retirement-plan services. Its footprint is diversified across smaller cities and rural markets but remains concentrated in the Northeast. Customer relationships and local market knowledge support retention, while commercial real estate, regional economic conditions, deposit competition, regulation and acquisition integration remain important.