Financial Performance - NBT Bancorp reported revenue of $185.73 million for the quarter ended December 2025, reflecting a 24.5% increase year-over-year [1] - Earnings per share (EPS) for the quarter was $1.05, up from $0.77 in the same quarter last year [1] - The reported revenue exceeded the Zacks Consensus Estimate of $181.94 million by 2.08% [1] - The company delivered an EPS surprise of 6.42%, with the consensus EPS estimate being $0.99 [1] Key Metrics - Net interest margin (FTE) was reported at 3.7%, slightly above the average estimate of 3.6% [4] - Total interest-earning assets averaged $14.77 billion, compared to the average estimate of $14.72 billion [4] - Total Noninterest Income was $49.7 million, exceeding the average estimate of $47.42 million [4] - Bank owned life insurance income was $3.58 million, surpassing the average estimate of $2.77 million [4] - Insurance services income was $3.92 million, slightly below the average estimate of $4.32 million [4] - Retirement plan administration fees were $14.1 million, compared to the average estimate of $14.28 million [4] - Wealth management income was $12.03 million, exceeding the average estimate of $11.19 million [4] - Other income was reported at $4.59 million, above the average estimate of $3.72 million [4] - Service charges on deposit accounts were $5.15 million, slightly above the average estimate of $5.08 million [4] - Net interest income (FTE) was $136.02 million, compared to the average estimate of $134.81 million [4] - Card services income was $6.21 million, exceeding the average estimate of $6.04 million [4] Stock Performance - Shares of NBT have returned 2.2% over the past month, outperforming the Zacks S&P 500 composite's 0.2% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]