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NBTB • CIK 0000790359
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest and Fee Income, Loans and Leases | $462,669 | $552,846 | $632,311 | $660,213 |
| Interest Income, Debt Securities, Available-for-sale, Operating | $29,812 | $31,274 | $47,015 | $53,396 |
| Interest Income, Debt Securities, Held-to-maturity | $20,681 | $20,466 | $18,777 | $17,769 |
| Interest Income (Expense), Net | $378,219 | $400,122 | $501,546 | $541,414 |
| Other Interest and Dividend Income | $9,627 | $7,084 | $12,889 | $16,040 |
| Financing Receivable, Credit Loss, Expense (Reversal) | $25,274 | $19,607 | $32,254 | $18,578 |
| Interest and Dividend Income, Operating | $522,789 | $611,670 | $710,992 | $747,418 |
| Interest Income (Expense), after Provision for Loan Loss | $352,945 | $380,515 | $469,292 | $522,836 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $153,459 | $179,458 | $219,444 | $277,307 |
| Income Tax Expense (Benefit) | $34,677 | $38,817 | $50,209 | $63,155 |
| Net Income (Loss) Attributable to Parent | $118,782 | $140,641 | $169,235 | $214,152 |
| Interest Expense, Deposits | $104,641 | $186,948 | $192,334 | $191,241 |
| Interest Expense, Short-term Borrowings | $25,608 | $8,669 | $3,643 | $3,718 |
| Interest Expense, Subordinated Notes and Debentures | $6,076 | $7,232 | $4,875 | $2,173 |
| Interest Expense, Junior Subordinated Debentures | $7,320 | $7,533 | $7,131 | $7,085 |
| InterestExpenseOperating | — | $211,548 | $209,446 | $206,004 |
| Insurance Agency Management Fee | $15,667 | $17,032 | $18,035 | $17,836 |
| Bank Owned Life Insurance Income | $6,750 | $8,325 | $12,393 | $11,980 |
| Debt and Equity Securities, Realized Gain (Loss) | $-9,315 | $2,789 | $148 | $757 |
| Noninterest Income, Other Operating Income | $10,838 | $11,032 | $15,522 | $15,732 |
| Noninterest Income | $142,178 | $176,824 | $195,493 | $200,972 |
| Labor and Related Expense | $194,250 | $232,487 | $257,478 | $270,392 |
| Communications and Information Technology | $38,163 | $39,139 | $44,025 | $46,343 |
| Occupancy, Net | $28,408 | $31,309 | $36,385 | $38,805 |
| Professional Fees | $17,601 | $19,132 | $21,740 | $22,983 |
| Supplies and Postage Expense | $6,917 | $7,525 | $8,095 | $8,509 |
| Federal Deposit Insurance Corporation Premium Expense | $6,257 | $6,765 | $7,889 | $8,369 |
| Marketing Expense | — | — | $4,013 | $3,756 |
| Amortization of Intangible Assets | $4,734 | $8,443 | $11,944 | $13,330 |
| Business Combination, Acquisition Related Costs | $9,978 | $1,531 | $19,526 | $1,125 |
| Other Noninterest Expense | $29,684 | $25,659 | $31,598 | $30,235 |
| Noninterest Expense | $341,664 | $377,881 | $445,341 | $446,501 |
| Weighted Average Number of Shares Outstanding, Basic | 44,528,000 | 47,165,000 | 50,651,000 | 53,784,000 |
| Weighted Average Number Diluted Shares Outstanding Adjustment | 242,000 | 268,000 | 224,000 | 238,000 |
| Weighted Average Number of Shares Outstanding, Diluted | 44,770,000 | 47,433,000 | 50,875,000 | 54,008,000 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash and Due from Banks | $173,811 | $205,083 | $185,158 | $187,164 |
| Interest-bearing Deposits in Banks and Other Financial Institutions | $31,378 | $78,973 | $301,958 | $107,489 |
| EquitySecuritiesFvNiCurrentAndNoncurrent | — | $42,372 | $48,760 | $50,732 |
| Debt Securities, Available-for-sale | $1,430,858 | $1,574,664 | $1,862,838 | $2,006,206 |
| DebtSecuritiesHeldToMaturityAmortizedCostAfterAllowanceForCreditLoss | $905,267 | $842,921 | $762,756 | $755,086 |
| Federal Home Loan Bank Stock and Federal Reserve Bank Stock | $45,861 | $33,957 | $44,575 | $51,540 |
| Financing Receivable, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance | $3,371 | $9,744 | $1,108 | $0 |
| Financing Receivable, before Allowance for Credit Loss | $9,650,713 | $9,969,910 | $11,598,114 | $11,874,081 |
| Financing Receivable, Allowance for Credit Loss | $114,400 | $116,000 | $138,000 | $140,500 |
| Financing Receivable, after Allowance for Credit Loss | $9,536,313 | $9,853,910 | $11,460,114 | $11,733,581 |
| Property, Plant and Equipment, Net | $80,675 | $80,840 | $99,277 | $98,119 |
| Goodwill | $361,851 | $362,663 | $453,278 | $453,278 |
| Intangible Assets, Net (Excluding Goodwill) | $40,443 | $36,360 | $57,656 | $51,117 |
| Bank Owned Life Insurance | $265,732 | $272,657 | $317,733 | $314,806 |
| Other Assets | $395,889 | $392,522 | $399,910 | $405,839 |
| Assets | $13,309,040 | $13,786,666 | $15,995,121 | $16,214,957 |
| Noninterest-bearing Deposit Liabilities, Domestic | $3,413,829 | $3,446,068 | $3,800,209 | $3,861,366 |
| Time Deposits | $1,324,709 | $1,442,505 | $1,492,445 | $1,328,884 |
| Deposits | $10,968,994 | $11,546,761 | $13,499,193 | $13,537,302 |
| Short-term Debt | $386,651 | $162,942 | $148,069 | $316,438 |
| Subordinated Debt | $119,744 | $121,201 | $24,509 | $0 |
| Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust | $101,196 | $101,196 | $111,668 | $111,714 |
| Other Liabilities | $276,968 | $298,781 | $272,290 | $262,541 |
| Liabilities | $11,883,349 | $12,260,525 | $14,098,905 | $14,271,038 |
| Preferred Stock, Value, Issued | $0 | $0 | $0 | $0 |
| Common Stock, Value, Issued | $540 | $540 | $591 | $591 |
| Additional Paid in Capital | $740,943 | $742,810 | $964,778 | $966,124 |
| Retained Earnings (Accumulated Deficit) | $1,021,831 | $1,100,209 | $1,196,850 | $1,262,559 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-160,934 | $-142,098 | $-82,596 | $-89,132 |
| Treasury Stock, Common, Value | $176,689 | $175,320 | $183,407 | $196,223 |
| Stockholders' Equity Attributable to Parent | $1,425,691 | $1,526,141 | $1,896,216 | $1,943,919 |
| Debt Securities, Held-to-maturity, Fair Value | $814,524 | $749,945 | $702,577 | $692,689 |
| Preferred Stock, Shares Authorized | 2,500,000 | 2,500,000 | 2,500,000 | 2,500,000 |
| Common Stock, Shares Authorized | 100,000,000 | 100,000,000 | 100,000,000 | 100,000,000 |
| Common Stock, Shares, Issued | 53,974,492 | 53,974,492 | 59,083,155 | 59,083,155 |
| Treasury Stock, Common, Shares | 6,864,593 | 6,779,975 | 6,880,200 | 7,128,171 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss) Attributable to Parent | $118,782 | $140,641 | $169,235 | $214,152 |
| Net Cash Provided by (Used in) Operating Activities | $157,457 | $188,567 | $235,218 | $261,662 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect | $7,839 | $78,867 | $203,060 | $-246,910 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $205,189 | $284,056 | $487,116 | $949,105 |
| Financing Receivable, Credit Loss, Expense (Reversal) | $25,274 | $19,607 | $32,254 | $18,578 |
| Payments to Acquire Businesses, Net of Cash Acquired | $-44,564 | $1,383 | $-37,944 | $1,141 |
| Depreciation, Nonproduction | $10,695 | $11,525 | $12,999 | $13,759 |
| Accretion (Amortization) of Discounts and Premiums, Investments | $-2,736 | $-2,500 | $-1,494 | $-792 |
| Amortization of Intangible Assets | $4,734 | $8,443 | $11,944 | $13,330 |
| Operating Lease, Right-of-Use Asset, Amortization Expense | $6,843 | $7,527 | $8,589 | $9,079 |
| Proceeds from Life Insurance Policy | $3,766 | $1,400 | $11,417 | $15,178 |
| Share-based Payment Arrangement, Noncash Expense | $5,102 | $5,992 | $5,281 | $6,474 |
| Payments to Acquire Productive Assets | $9,254 | $11,742 | $16,302 | $16,054 |
| Bank Owned Life Insurance Income | $6,750 | $8,325 | $12,393 | $11,980 |
| Proceeds from Sale of Other Real Estate | $268 | $75 | $348 | $624 |
| Amortization of Debt Issuance Costs | $437 | $437 | $199 | $0 |
| Net Cash Provided by (Used in) Investing Activities | $-44,226 | $-399,160 | $169,072 | $-484,179 |
| Proceeds from Sale of Loans Held-for-sale | $53,969 | $153,973 | $219,242 | $48,822 |
| Payments for Origination of Mortgage Loans Held-for-sale | $55,960 | $159,943 | $211,089 | $45,075 |
| Gain (Loss) on Sale of Loans and Leases | $156 | $202 | $637 | $403 |
| Debt and Equity Securities, Realized Gain (Loss) | $-9,315 | $2,789 | $148 | $757 |
| Gains (Losses) on Sales of Other Real Estate | $69 | $1 | $64 | $80 |
| Deferred Income Tax Expense (Benefit) | $5,958 | $8,729 | $23,573 | $23,573 |
| Increase (Decrease) in Other Operating Assets and Liabilities, Net | $27,907 | $-748 | $24,587 | $28,146 |
| Increase (Decrease) in Deposits | $164,085 | $577,767 | $88,383 | $22,070 |
| Proceeds from (Repayments of) Short-term Debt | $-231,743 | $-223,709 | $-57,873 | $203,468 |
| Repayments of Subordinated Debt | $0 | $0 | $118,000 | $143,000 |
| Proceeds from Issuance of Other Long-term Debt | $25,000 | $0 | $0 | $0 |
| Repayments of Other Long-term Debt | $118 | $152 | $26,664 | $1,641 |
| Proceeds, Issuance of Shares, Share-based Payment Arrangement, Including Option Exercised | $91 | $61 | $117 | $117 |
| Payment, Tax Withholding, Share-based Payment Arrangement | $1,877 | $1,993 | $4,414 | $4,010 |
| Payments for Repurchase of Common Stock | $4,944 | $251 | $10,185 | $24,215 |
| Payments of Ordinary Dividends, Common Stock | $55,886 | $62,263 | $72,594 | $77,182 |
| Net Cash Provided by (Used in) Financing Activities | $-105,392 | $289,460 | $-201,230 | $-24,393 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $116,453 | $167,903 | $256,498 | $310,016 |
| Proceeds from Sale of Debt Securities, Available-for-sale | $124,577 | $2,284 | $254,468 | $0 |
| Payments to Acquire Debt Securities, Available-for-sale | $0 | $292,941 | $474,865 | $568,069 |
| Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities | $100,954 | $144,301 | $174,206 | $173,371 |
| Payments to Acquire Held-to-maturity Securities | $88,022 | $83,282 | $91,737 | $119,911 |
| ProceedsFromSaleOfEquitySecuritiesFvNi | — | — | $491 | $0 |
| PaymentsToAcquireEquitySecuritiesFvNi | — | — | $0 | $0 |
| Payments for (Proceeds from) Loans and Leases | $338,111 | $337,661 | $-17,141 | $267,466 |
| Proceeds from Sale of Federal Home Loan Bank Stock | $91,535 | $74,675 | $30,492 | $30,492 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $130,180 | $215,154 | $215,590 | $216,145 |
| Income Taxes Paid, Net | $27,636 | $23,317 | $24,570 | $28,204 |
| Real Estate Owned, Transfer to Real Estate Owned | $94 | $256 | $504 | $289 |
| Fair Value of Assets Acquired | $1,415,712 | $4,360 | $2,088,233 | $794 |
| Liabilities Assumed | $1,380,386 | $0 | $1,997,253 | $0 |
| Stock Issued | $161,723 | $0 | $221,767 | $0 |