Filing Flows › NBT Bancorp (NBTB) › How it makes money
How NBT Bancorp (NBTB) makes money
NBT Bancorp (NBTB) made $195M of revenue in the third quarter 2026 (Q3 2026), +5% from a year earlier. Net interest income brought in $142M (73%); Noninterest income brought in $52.9M (27%). Of every dollar of revenue, 39¢ was left as operating profit, 30¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $142M | 72.9% | +4% | +6% |
| Noninterest income | $52.9M | 27.1% | +6% | +3% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $195M | 100.0% |
| Operating profit | $76.1M | 39.0% |
| Income tax | $18.0M | 9.3% |
| Net earnings | $58.0M | 29.8% |
| Operating cash flow | $76.3M | 39.1% |
| Free cash flow | $74.4M | 38.2% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $195M | +5% |
From NBT Bancorp's 10-Q filed Nov 6, 2026 (on EDGAR).
Questions
How does NBT Bancorp make money?
NBT Bancorp (NBTB) made $195M of revenue in the third quarter 2026 (Q3 2026), +5% from a year earlier. Net interest income brought in $142M (73%); Noninterest income brought in $52.9M (27%). Of every dollar of revenue, 39¢ was left as operating profit, 30¢ was left as net earnings.
What is NBT Bancorp's biggest business?
Net interest income: $142M in the third quarter 2026, 73% of revenue, +6% from a year earlier.
What is NBT Bancorp's profit margin?
Net earnings were $58.0M, 29.8% of revenue, in the third quarter 2026; the operating margin was 39.0%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.