NBT Bancorp Q4 Earnings Call Highlights

NBT said total loans rose $1.63 billion, or 16.3%, for the year including acquired loans from Evans, bringing the loan portfolio to $11.6 billion. Burns said commercial production remained strong during 2025, though the company saw higher commercial real estate (CRE) payoffs. The loan mix remained diversified, with 56% commercial relationships and 44% consumer loans.President and CEO Scott Kingsley noted operating return on assets was 1.37% for the second consecutive quarter, with return on tangible equity ...