Core Insights - NBT Bancorp reported a revenue of $186.66 million for the quarter ended September 2025, reflecting a year-over-year increase of 26.1% and a surprise of +1.89% over the Zacks Consensus Estimate of $183.2 million [1] - The earnings per share (EPS) for the quarter was $1.05, compared to $0.80 in the same quarter last year, resulting in an EPS surprise of +8.25% against the consensus estimate of $0.97 [1] Financial Performance Metrics - Total interest-earning assets averaged $14.64 billion, slightly below the estimated $14.73 billion [4] - The net interest margin (FTE) was reported at 3.7%, exceeding the average estimate of 3.6% [4] - Bank owned life insurance income was $3.24 million, surpassing the average estimate of $2.1 million [4] - Insurance services revenue reached $5.26 million, compared to the average estimate of $5.01 million [4] - Retirement plan administration fees totaled $15.91 million, slightly above the average estimate of $15.52 million [4] - Wealth management income was reported at $11.1 million, in line with the average estimate of $11.07 million [4] - Total Noninterest Income was $51.41 million, exceeding the estimated $48.74 million [4] - Service charges on deposit accounts amounted to $5.1 million, above the average estimate of $4.5 million [4] - Card services income was $6.39 million, compared to the average estimate of $6.11 million [4] Stock Performance - NBT Bancorp's shares have returned -3.8% over the past month, while the Zacks S&P 500 composite has increased by +2.5% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market in the near term [3]