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0 -0.000911369332421945 -0.000911369332421945 0.00262018683071319 0.00113921166552755 0.00455684666210989 0.00318979266347689 -0.000683526999316499
Stock impact report

NBT Bancorp Q4 Earnings Call Highlights [Yahoo! Finance]

NBT Bancorp Inc. (NBTB) 
Last nbt bancorp inc. earnings: 4/27 04:15 pm Check Earnings Report
US:NASDAQ Investor Relations: nbtbancorp.gcs-web.com/investor-relations
Company Research Source: Yahoo! Finance
ROA at 1.37% and ROTCE at 17.02%, while tangible book value rose to $26.54 (+11% YoY) and the bank repurchased about 250,000 shares (~$10M) as part of its capital plan. Balance sheet growth and deposit mix: Total loans increased 16.3% to $11.6 billion (including the Evans Bancorp acquisition) and deposits rose about $2.0 billion, with management shifting away from higher-cost time deposits toward checking, savings and money-market accounts—58% of deposits are no- or low-cost. Margin, credit and outlook: NIM was 3.65% in Q4 (down 1 bp), management calls margin positioning “neutral” with modest expansion of ~2–3 bps/quarter possible, and flagged credit items including $150–175M of unscheduled CRE payoffs in 2025, a solar loan portfolio running off roughly $100M/year, and a mid- to lower-single-digit loan growth outlook for 2026. Interested in NBT Bancorp Inc.? Here are five stocks we like better. NBT Bancorp (NASDAQ:NBTB) executives said fourth-quarter and full-year 2025 perform Show less Read more
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