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NBT Bank, National Association

Norwich, NY · Cert 7230 · NBT Bcorp Inc.

National charter · OCC · 175 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

28

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

49

Q2 2024Q2 2026peer median (50)

Liquidity

87

Q2 2024Q2 2026peer median

Efficiency

37

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

NBT Bank, National Association

Norwich, NY · Cert 7230 · NBT Bcorp Inc.

National charter · OCC · 175 branches

Q2 2026

$16.1BAssets
$11.9BLoans
$13.7BDeposits
$1.9BEquity
Loan mix
69%RE $7.8B13%C&I $1.4B19%Consumer $2.1BQ2 2025Q2 2026
Deposit mix
90%Interest-bearing $12.4B10%Noninterest $1.3BQ2 2025Q2 2026

NIM

4.42%Q2 ’244.37%Q2 ’254.59%Q2 ’26+7%+9%

Non-interest income vs. expense

2.35%Q2 ’242.59%Q2 ’252.49%Q2 ’26+16%-5%

Market Position · Buffalo-Cheektowaga, NY · 2026 SOD (annual) · 2.5% share · #7 of 20 inst. · $1.6B of $67.0B

2.5% Erie
97.3% Chenango
6.4% Onondaga
15.4% Oneida

Executive Summary

  • Earnings: ROA of 1.21%, up 44 bps year over year; NIM at 3.54%.
  • Asset quality: problem loans at 0.55% of loans (+15 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 9.49%, down 3 bps from a year ago.
  • Funding: loans stand at 86.81% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.21%+44 bps YoY

Net Interest Margin (YTD, annualized)

3.54%+29 bps YoY

Efficiency Ratio (YTD, annualized)

57.48%-707 bps YoY

Tier 1 Leverage Ratio

9.49%-3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.95%1.06%1.18%1.21%+44 bps
Return on Equity7.00%8.58%9.48%10.23%10.45%+344 bps
Net Interest Margin3.24%3.23%3.29%3.52%3.54%+29 bps
Efficiency Ratio64.55%61.87%60.43%58.08%57.48%-707 bps
Non-Interest Burden1.81%1.71%1.69%1.74%1.72%-9 bps
Growth
Asset Growth (YoY)18.68%16.51%16.05%16.93%1.16%-1,752 bps
Loan Growth (YoY)17.97%17.04%16.23%15.54%2.11%-1,585 bps
Deposit Growth (YoY)19.90%16.88%15.83%16.36%-0.56%-2,047 bps
Asset Quality
Nonperforming Loans / Loans0.40%0.46%0.45%0.53%0.55%+15 bps
Net Charge-Offs / Loans0.15%0.15%0.16%0.17%0.16%0 bps
Allowance / Loans1.21%1.20%1.19%1.20%1.18%-2 bps
Allowance Coverage of NPLs3.0x2.6x2.7x2.3x2.2x-0.9x
Capital
Tier 1 Leverage Ratio9.52%9.22%9.35%9.47%9.49%-3 bps
Total Risk-Based Capital12.44%12.77%13.02%13.17%12.89%+45 bps
Equity / Assets11.18%11.34%11.64%11.50%11.55%+37 bps
Liquidity & Funding
Loans / Deposits84.54%84.11%85.09%83.13%86.81%+228 bps
Liquid Assets / Assets6.81%7.26%6.68%8.14%5.33%-147 bps
CRE / Total Capitaln/a325%315%312%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

NBT Bank, National Association

Norwich, NY · Cert 7230 · Peer group: banks over $10B in assets (n=142-144) · NBT Bcorp Inc.

National charter · OCC · 175 branches

Q2 2026

$16.1BAssets
$11.9BLoans
$13.7BDeposits
$1.9BEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 66% of banks over $10B in assets (rank 49 of 142).
  • Widest gap: total risk-based capital ratio trails 87% of banks over $10B in assets (rank 126 of 144).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.20%

Rank 82 of 144

Net Interest Margin

3.54%

Rank 53 of 144

Efficiency Ratio

59.22%

Rank 92 of 144

Equity / Assets

11.55%

Rank 67 of 144

Non-interest income vs. expense

$124.6M$400.5MINCOMEEXPENSE
Unfavorable gap of $275.8M · efficiency ratio beats 37% of banks over $10B in assets
Bank 59.22%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.20%1.00%1.26%1.54%Beats 43%82 / 144
Return on Equity10.41%8.98%11.34%14.40%Beats 40%86 / 144
Net Interest Margin3.54%2.82%3.31%3.68%Beats 63%53 / 144
Efficiency Ratio59.22%49.42%56.02%62.41%Beats 37%92 / 144
Asset Quality
Nonperforming Loans / Loans0.55%0.48%0.73%1.07%Beats 66%49 / 142
Net Charge-Offs / Loans0.11%0.05%0.11%0.22%Beats 53%68 / 142
Capital
Tier 1 Capital Ratio11.80%12.07%12.98%14.92%Beats 17%120 / 144
Total Risk-Based Capital Ratio12.89%13.39%14.14%16.25%Beats 13%126 / 144
Equity / Assets11.55%9.69%11.39%12.96%Beats 53%67 / 144
Liquidity & Funding
Loans / Deposits86.81%75.72%84.92%91.56%54th pctl66 / 143
Loans / Assets73.79%59.83%69.07%74.80%69th pctl44 / 144
Brokered Deposits / Depositsn/aNot reported for this institution