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Letter portraitLegal landscapeQuarterYTD

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 $2.1BQ3 2024Q2 2026
Deposit mix
90%Interest-bearing $12.4B10%Noninterest $1.3BQ3 2024Q2 2026

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 1.23%, up 66 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.55% of loans (+15 bps YoY), with net charge-offs at 0.14%.
  • 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.

Return on Assets (quarter, annualized)

1.23%+66 bps YoY

Net Interest Margin (quarter, annualized)

3.57%+9 bps YoY

Efficiency Ratio (quarter, annualized)

56.89%-1,058 bps YoY

Tier 1 Leverage Ratio

9.49%-3 bps YoY

NIM

4.47%Q2 ’244.68%Q2 ’254.63%Q2 ’26+13%+3%

Non-interest income vs. expense

2.31%Q2 ’242.87%Q2 ’252.49%Q2 ’26+38%-18%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.07%1.01%0.57%1.26%1.36%1.18%1.23%+66 bps
Return on Equity9.93%9.85%9.20%5.16%11.21%11.81%10.23%10.67%+551 bps
Net Interest Margin3.19%3.26%3.29%3.48%3.54%3.53%3.52%3.57%+9 bps
Efficiency Ratio61.42%63.14%61.25%67.47%57.16%56.50%58.08%56.89%-1,058 bps
Non-Interest Burden1.64%1.76%1.69%2.09%1.69%1.65%1.74%1.71%-38 bps
Growth
Asset Growth (YoY)-0.03%3.52%3.12%18.68%16.51%16.05%16.93%1.16%-1,752 bps
Loan Growth (YoY)2.47%3.37%3.12%17.97%17.04%16.23%15.54%2.11%-1,585 bps
Deposit Growth (YoY)1.95%5.58%4.87%19.90%16.88%15.83%16.36%-0.56%-2,047 bps
Asset Quality
Nonperforming Loans / Loans0.38%0.52%0.48%0.40%0.46%0.45%0.53%0.55%+15 bps
Net Charge-Offs / Loans0.16%0.23%0.26%0.08%0.15%0.16%0.17%0.14%+6 bps
Allowance / Loans1.21%1.16%1.17%1.21%1.20%1.19%1.20%1.18%-2 bps
Allowance Coverage of NPLs3.2x2.2x2.5x3.0x2.6x2.7x2.3x2.2x-0.9x
Capital
Tier 1 Leverage Ratio9.50%9.39%9.47%9.52%9.22%9.35%9.47%9.49%-3 bps
Total Risk-Based Capital12.92%12.86%12.98%12.44%12.77%13.02%13.17%12.89%+45 bps
Equity / Assets10.89%10.88%11.03%11.18%11.34%11.64%11.50%11.55%+37 bps
Liquidity & Funding
Loans / Deposits84.00%84.80%83.71%84.54%84.11%85.09%83.13%86.81%+228 bps
Liquid Assets / Assets7.89%6.71%6.33%6.81%7.26%6.68%8.14%5.33%-147 bps
CRE / Total Capitaln/an/an/an/a325%315%312%n/an/a