0001140361-22-026851.txt : 20220725 0001140361-22-026851.hdr.sgml : 20220725 20220725163024 ACCESSION NUMBER: 0001140361-22-026851 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20220725 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20220725 DATE AS OF CHANGE: 20220725 FILER: COMPANY DATA: COMPANY CONFORMED NAME: NBT BANCORP INC CENTRAL INDEX KEY: 0000790359 STANDARD INDUSTRIAL CLASSIFICATION: NATIONAL COMMERCIAL BANKS [6021] IRS NUMBER: 161268674 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-14703 FILM NUMBER: 221103712 BUSINESS ADDRESS: STREET 1: 52 S BROAD ST CITY: NORWICH STATE: NY ZIP: 13815 BUSINESS PHONE: 6073372265 MAIL ADDRESS: STREET 1: 52 S. BROAD STREET CITY: NORWICH STATE: NY ZIP: 13815 8-K 1 brhc10039909_8k.htm 8-K
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
 WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): July 25, 2022


NBT BANCORP INC.
(Exact name of registrant as specified in its charter)

Delaware
000-14703
16-1268674
(State or other jurisdiction of incorporation or organization)
(Commission File Number)
(I.R.S. Employer Identification No.)

52 South Broad Street, Norwich, New York 13815
(Address of principal executive offices) (Zip Code)

Registrant’s telephone number, including area code: (607) 337-2265

Not Applicable
(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of class
Trading Symbol
Name of exchange on which registered
Common Stock, par value $0.01 per share
NBTB
The NASDAQ Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

 
Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02
Results of Operations and Financial Condition

On July 25, 2022, NBT Bancorp Inc. issued a press release describing its results of operations for the quarter ended June 30, 2022 and announced a 7.1% dividend increase. That press release is furnished as Exhibit 99.1 hereto. A conference call will be held at 8:30 a.m. Eastern Time on Tuesday, July 26, 2022, to review the second quarter 2022 financial results. The audio webcast link, along with the corresponding presentation slides, will be available on the Event Calendar page of the Company’s website at www.nbtbancorp.com.
 
Item 9.01
Financial Statements and Exhibits.
 
(a)
Not applicable.
 
(b)
Not applicable.
 
(c)
Not applicable.
 
(d)
Exhibits.
 
Exhibit No.
  
Description
     
Press release of NBT Bancorp Inc. July 25, 2022
     
104
Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

 
NBT BANCORP INC.
     
Date: July 25, 2022
By:
/s/ Scott A. Kingsley
   
Scott A. Kingsley
   
Executive Vice President
   
and Chief Financial Officer


EX-99.1 2 brhc10039909_ex99-1.htm EXHIBIT 99.1
Exhibit 99.1

1

FOR IMMEDIATE RELEASE
ATTENTION: FINANCIAL AND BUSINESS EDITORS

Contact:
John H. Watt, Jr., President and CEO
 
Scott A. Kingsley, Executive Vice President and CFO
 
NBT Bancorp Inc.
 
52 South Broad Street
 
Norwich, NY 13815
 
607-337-6589

NBT BANCORP INC. ANNOUNCES SECOND QUARTER NET INCOME OF $37.8 MILLION ($0.88 PER DILUTED COMMON SHARE); APPROVES A 7.1% DIVIDEND INCREASE

NORWICH, NY (July 25, 2022) – NBT Bancorp Inc. (“NBT” or the “Company”) (NASDAQ: NBTB) reported net income and diluted earnings per share for the three and six months ended June 30, 2022.
 
Net income for the three months ended June 30, 2022 was $37.8 million, or $0.88 per diluted common share, compared to $40.3 million, or $0.92 per diluted share, in the second quarter of 2021 and $39.1 million, or $0.90 per diluted share in the first quarter of 2022. Net interest income recognized in the second quarter of 2022 from the Paycheck Protection Program (“PPP”) was approximately $1.3 million ($0.02 per diluted share), compared to $4.7 million ($0.08 per diluted share) in the second quarter of 2021 and $2.0 million ($0.04 per diluted share) in the first quarter of 2022, reflective of higher levels of loan forgiveness in the prior year and prior quarter. Excluding the impact of PPP loan income recognition, net interest income in the second quarter of 2022 improved in comparison to the second quarter of 2021 and the linked first quarter of 2022 due to loan growth, incremental deployment of excess liquidity into investment securities and increases in the Federal Reserve’s targeted Federal Funds rate. The Company recorded a provision for loan losses of $4.4 million ($0.08 per diluted share) in the second quarter of 2022, compared to a net benefit of $5.2 million ($0.09 per diluted share) in the second quarter of 2021 and a provision of $0.6 million ($0.01 per diluted share) in the first quarter of 2022.
 
CEO Comments

“We are very pleased with our operating results for the second quarter and first half of 2022, which reflect continued organic loan growth and solid performance by our fee-based businesses. With the increases in the targeted Fed Funds rate in the quarter, we experienced the benefits of an asset-sensitive balance sheet,” said NBT President and CEO John H. Watt, Jr. “Our asset quality continues to be excellent, with historically low levels of net charge-offs and nonperforming assets. Given our strong loan growth and increased uncertainty surrounding the domestic macro-economic outlook, we did add to our loan loss reserves at quarter-end.”

“We are also pleased to have approved a $0.02, or 7.1% increase, to our quarterly dividend to stockholders,” added Watt. “The payment of a meaningful and growing dividend is an important component of our commitment to provide consistent and favorable long-term returns to our stockholders. The increase reflects the continued strength of both our current operating performance and capital position.”

2
Second Quarter Financial Highlights

Net Income
   ■
Net income of $37.8 million
  ■
Diluted earnings per share of $0.88
Net Interest
Income / NIM
   ■
Net interest income on a fully taxable equivalent (“FTE”) basis was $87.9 million1
  ■
Net interest margin (“NIM”) on a FTE basis was 3.21%1, up 26 basis points (“bps”) from the prior quarter, due primarily to higher yields on earning assets
  ■
Total cost of deposits of 0.07%
Noninterest Income
   ■
Noninterest income was $42.2 million, excluding securities gains (losses) and was 32.5% of total revenue
Pre-Provision Net
Revenue (“PPNR”)
   ■
PPNR1 was $54.2 million compared to $50.9 million in the first quarter of 2022 and $49.0 million in the second quarter of 2021
Loans and Credit
Quality
   ■
Period end total loans were $7.78 billion at June 30, 2022, up 9.9%, annualized, excluding impact of PPP loans
  ■
Period end loans increased $363.2 million from December 31, 2021, excluding $17.3 million and $101.2 million of PPP loans at June 30, 2022 and December 31, 2021, respectively
  ■
Net charge-offs to average loans was 0.04%, annualized
  ■
Nonperforming loans to total loans was 0.33%, down from 0.36% in the prior quarter
  ■
Allowance for loan losses to total loans of 1.20%, was up 2 bps from the first quarter 2022
Capital
   ■
Announced a $0.30 per share dividend for the third quarter, which was a $0.02 per share or 7.1% increase from the prior quarter
  ■
Tangible book value per share2 was $20.99 at June 30, 2022, lower than the second quarter of 2021 and the first quarter of 2022 due primarily to the impact of higher interest rates on available for sale investment securities and the related impact to accumulated other comprehensive income
  ■
Tangible equity to assets of 7.87%1
  ■
CET1 ratio of 12.14%; Leverage ratio of 9.77%

Loans


 ■
Period end total loans were $7.78 billion at June 30, 2022 and $7.50 billion at December 31, 2021.

■
Excluding PPP loans, period end loans increased $363.2 million from December 31, 2021. Commercial and industrial loans increased $142.8 million to $1.30 billion; commercial real estate loans increased $15.3 million to $2.67 billion; and total consumer loans increased $205.1 million to $3.79 billion.

■
Total PPP loans as of June 30, 2022 were $17.3 million (net of unamortized fees) with 95% of the original $836 million forgiven through the second quarter of 2022. The following PPP loan activity occurred during the second quarter of 2022:

o
$36.7 million of loans forgiven.

o
$1.3 million of interest and fees recognized into interest income, compared to $2.0 million for the first quarter of 2022 and $4.7 million for the second quarter of 2021.

■
Commercial line of credit utilization rate was 23% at June 30, 2022 and March 31, 2022 and compared to 22% at June 30, 2021.

3
Deposits


 ■
Total deposits at June 30, 2022 were $10.03 billion, compared to $10.23 billion at December 31, 2021, a 2% decline, which included a $100.0 million brokered deposit that matured in the quarter and seasonal declines in municipal deposits.

■
Loan to deposit ratio was 77.6% at June 30, 2022, compared to 73.3% at December 31, 2021.

Net Interest Income and Net Interest Margin
 

 ■
Net interest income for the second quarter of 2022 was $87.6 million, which was up $7.2 million, or 9.0%, from the first quarter of 2022 and up $8.4 million, or 10.6%, from the second quarter of 2021 primarily due to higher yields on earning assets. PPP income for the second quarter of 2022 was $1.3 million, which was $0.7 million lower compared to the prior quarter and down $3.4 million compared to the second quarter of 2021.

■
The NIM on a FTE basis for the second quarter of 2022 was 3.21%, up 26 bps from the first quarter of 2022 and up 21 bps from the second quarter of 2021. Excluding the impact of PPP interest and fees and excess liquidity from each quarter, the NIM increased 13 bps from the prior quarter primarily due to higher earning asset yields as the cost of interest-bearing liabilities remained flat. The net impact of PPP loans and excess liquidity negatively impacted the NIM by 9 bps in the second quarter of 2022 compared to a negative 22 bps impact in the first quarter of 2022, reflective of a lower level of excess liquidity.

■
Earning asset yields for the three months ended June 30, 2022 were up 26 bps from the prior quarter and up 17 bps from the same quarter in the prior year. Earning assets declined $106.1 million, or 1.0%, from the prior quarter and grew $351.9 million, or 3.3%, from the same quarter in the prior year. The following are highlights comparing the second quarter of 2022 to the prior quarter:

o
The average balances of investment securities increased $153.7 million and yields increased 6 bps.

o
The average balances of short-term interest-bearing accounts with a yield of 0.82% decreased $436.8 million resulting from the incremental deployment of excess liquidity into loans and investment securities and modestly lower deposit balances due primarily to seasonal municipal outflows and the maturity of $100 million in brokered deposits.

o
Loan yields increased 14 bps to 4.09% for the quarter. Excluding PPP loans, loan yields increased 16 bps from the prior quarter.

■
Total cost of deposits was 0.07% for the second quarter of 2022, consistent with the prior quarter and down 5 bps from the same period in the prior year.

■
The cost of interest-bearing liabilities for the three months ended June 30, 2022 was 0.23%, consistent with the prior quarter and down 6 bps from the second quarter of 2021 of 0.29%.

Credit Quality and Allowance for Credit Losses


 ■
Net charge-offs to total average loans of 4 bps compared to 14 bps in the prior quarter and 7 bps in the second quarter of 2021. Recoveries in the second quarter of 2022 were $3.3 million compared to $1.9 million in the prior quarter and $2.7 million in the second quarter of 2021.

■
Nonperforming assets to total assets was 0.22% compared to 0.23% at March 31, 2022 and 0.38% (0.39% excluding PPP loans) at June 30, 2021. Past due loans to total loans increased to 0.40% as of June 30, 2022 from 0.24% (0.25% excluding PPP loans) in the prior quarter almost entirely due to one commercial credit which returned to current status in early July.

4

 ■
Provision expense for the three months ended June 30, 2022 was $4.4 million with net charge-offs of $0.8 million. Provision expense was $3.8 million higher than the first quarter of 2022 and $9.6 million higher than the second quarter of 2021. The increase in provision expense from the prior quarter was driven by modest deterioration of the macro-economic forecasts and providing for loan growth, partly offset by a lower level of net charge-offs. The increase in provision expense from the second quarter of 2021 was driven both by loan growth and an increase in the level of allowance for loan losses resulting from less favorable economic forecasts in the current year relative to improved economic forecasts in the prior year.

■
The allowance for loan losses was $93.6 million, or 1.20% (1.21% excluding PPP loans and related allowance) of total loans at June 30, 2022, compared to 1.18% (1.18% excluding PPP loans and related allowance) of total loans at March 31, 2022 and 1.31% (1.38% excluding PPP loans and related allowance) of total loans at June 30, 2021. The increase in the level of allowance for loan losses from the prior quarter was primarily due to the deterioration in the forecast of economic conditions, which had an impact on the level of expected credit losses and the increase in loan balances.

■
The reserve for unfunded loan commitments increased to $5.1 million at June 30, 2022 compared to the prior quarter at $4.8 million.

Noninterest Income
 

 ■
Total noninterest income, excluding securities gains (losses), was $42.2 million for the three months ended June 30, 2022, down $0.6 million from the seasonally stronger first quarter and up $3.1 million from the prior year’s second quarter.

■
Service charges on deposit accounts were comparable to the prior quarter and higher than the second quarter of 2021. Early in June 2022, the Company made adjustments to customer non-sufficient funds processing practices and expects these adjustments to reduce future service charge fee income by approximately $0.5 million per quarter.

■
Card services income was higher than the prior quarter and the second quarter of 2021 due to increased volume. As discussed in previous quarters, the Company will be subject to the provisions of the Durbin Amendment to the Dodd-Frank Act beginning in the third quarter of 2022, which it estimates will reduce quarterly debit card interchange income by approximately $3.7 million.

■
Retirement plan administration fees were lower than the prior quarter driven by seasonal revenue fluctuations related to activity-based fees and higher than the second quarter of 2021 driven by higher activity-based fees and continued organic growth.

■
Wealth management fees were lower than the prior quarter and lower than the second quarter of 2021 driven primarily by market performance.

■
Other income decreased from the prior quarter and the second quarter of the prior year driven by lower commercial loan swap fees.

Noninterest Expense


 ■
Total noninterest expense for the second quarter of 2022 was up 5.5% from the previous quarter and up 6.6% from the second quarter of 2021.

■
Salaries and benefits increased from the prior quarter due to one additional day of payroll in the second quarter, annual merit pay increases and increased medical expenses. The increase from the second quarter of 2021 was driven by increased salaries and wages including merit pay increases, higher levels of incentive compensation and increased medical expenses.

5

 ■
Technology and data services increased from the prior quarter due to continued investment in digital platform solutions including the completion of the Company’s human resources information system conversion.

■
Loan collection and other real estate owned were higher than the prior quarter due to higher collection expenses and a gain on the sale of a property in the first quarter of 2022.

■
Other expenses increased from the linked first quarter of 2022 due to a $0.5 million increase in the provision for the reserve for unfunded commitments, higher travel and training expenses and seasonal timing of certain expenditures.
 
Income Taxes
 

 ■
The effective tax rate was 22.5% for the second quarter of 2022 compared to 22.2% for the first quarter of 2022 and 22.9% for the second quarter of 2021.

Capital


 ■
Capital ratios remain strong with tangible common equity to tangible assets1 at 7.87%. Tangible book value per share2 was $20.99 at June 30, 2022, $21.25 at March 31, 2022 and $21.50 at June 30, 2021.

■
Stockholders’ equity decreased $61.9 million from December 31, 2021 driven by the $101.4 million decrease in accumulated other comprehensive income due to the change in the market value of securities available for sale, dividends declared of $24.1 million and the repurchase of common stock of $14.7 million, partly offset by net income of $76.9 million.

■
June 30, 2022, CET1 capital ratio of 12.14%, leverage ratio of 9.77% and total risk-based capital ratio of 15.50%.

Dividend and Stock Repurchase


 ■
The Board of Directors approved a third-quarter cash dividend of $0.30 per share at a meeting held today. The dividend, which represents a $0.02, or 7.1% increase, will be paid on September 15, 2022 to stockholders of record as of September 1, 2022. The increased dividend represents a yield of 3.0% based upon the closing price of the Company’s stock on July 22, 2022. This is the Company’s tenth consecutive year of annual dividend increases.


■
The Company purchased 182,900 shares of common stock early in the second quarter of 2022 at a weighted average price of $35.88 including commissions. The repurchase program under which these shares were purchased expires on December 31, 2023.

Other Events


 ■
On June 30, 2022, NBT Insurance Agency, LLC, a full-service insurance agency, entered into an asset purchase agreement with Harrison A. Rogers Agency, Inc. (“H.A. Rogers”), a New York corporation, pursuant to which NBT Insurance will acquire substantially all of the assets of H.A. Rogers. H.A. Rogers is a small personal and commercial lines property and casualty insurance agency. This is a strategic regional insurance expansion into the northern New York market where NBT Bank has a long established presence. The acquisition is expected to close in the third quarter.

6
Conference Call and Webcast

The Company will host a conference call at 8:30 a.m. (Eastern) Tuesday, July 26, 2022, to review second quarter 2022 financial results. The audio webcast link, along with the corresponding presentation slides, will be available on the Company’s Event Calendar page at https://stockholderinfo.nbtbancorp.com/events-calendar/upcoming-events and will be archived for twelve months.
 
Corporate Overview

NBT Bancorp Inc. is a financial holding company headquartered in Norwich, NY, with total assets of $11.72 billion at June 30, 2022. The Company primarily operates through NBT Bank, N.A., a full-service community bank, and through two financial services companies. NBT Bank, N.A. has 140 banking locations in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut. EPIC Retirement Plan Services, based in Rochester, NY, is a national benefits administration firm. NBT Insurance Agency, LLC, based in Norwich, NY, is a full-service insurance agency. More information about NBT and its divisions is available online at: www.nbtbancorp.com, www.nbtbank.com, www.epicrps.com and www.nbtinsurance.com.

Forward-Looking Statements
 
This press release contains forward-looking statements, as defined in the Private Securities Litigation Reform Act of 1995. These statements may be identified by the use of phrases such as “anticipate,” “believe,” “expect,” “forecasts,” “projects,” “will,” “can,” “would,” “should,” “could,” “may,” or other similar terms. There are a number of factors, many of which are beyond the Company’s control, that could cause actual results to differ materially from those contemplated by the forward-looking statements. Factors that may cause actual results to differ materially from those contemplated by such forward-looking statements include, among others, the following possibilities: (1) local, regional, national and international economic conditions and the impact they may have on the Company and its customers and the Company’s assessment of that impact; (2) changes in the level of nonperforming assets and charge-offs; (3) changes in estimates of future reserve requirements based upon the periodic review thereof under relevant regulatory and accounting requirements; (4) the effects of and changes in trade and monetary and fiscal policies and laws, including the interest rate policies of the Federal Reserve Board (“FRB”); (5) inflation, interest rate, securities market and monetary fluctuations; (6) political instability; (7) acts of war, including international military conflicts, or terrorism; (8) the timely development and acceptance of new products and services and perceived overall value of these products and services by users; (9) changes in consumer spending, borrowings and savings habits; (10) changes in the financial performance and/or condition of the Company’s borrowers; (11) technological changes; (12) acquisitions and integration of acquired businesses; (13) the ability to increase market share and control expenses; (14) changes in the competitive environment among financial holding companies; (15) the effect of changes in laws and regulations (including laws and regulations concerning taxes, banking, securities and insurance) with which the Company and its subsidiaries must comply, including those under the Dodd-Frank Act, Economic Growth, Regulatory Relief, Consumer Protection Act of 2018, Coronavirus Aid, Relief and Economic Security Act (“CARES Act”), and other legislative and regulatory responses to the coronavirus (“COVID-19”) pandemic; (16) the effect of changes in accounting policies and practices, as may be adopted by the regulatory agencies, as well as the Public Company Accounting Oversight Board, the Financial Accounting Standards Board (“FASB”) and other accounting standard setters; (17) changes in the Company’s organization, compensation and benefit plans; (18) the costs and effects of legal and regulatory developments, including the resolution of legal proceedings or regulatory or other governmental inquiries, and the results of regulatory examinations or reviews; (19) greater than expected costs or difficulties related to the integration of new products and lines of business; (20) the adverse impact on the U.S. economy, including the markets in which we operate, of the COVID-19 global pandemic; and (21) the Company’s success at managing the risks involved in the foregoing items.

7
Currently, one of the most significant factors that could cause actual outcomes to differ materially from the Company’s forward-looking statements is the potential adverse effect of the current COVID-19 pandemic on the financial condition, results of operations, cash flows and performance of the Company, its customers and the global economy and financial markets. The extent to which the COVID-19 pandemic impacts the Company will depend on future developments, which are highly uncertain and cannot be predicted with confidence, including the scope, severity and duration of the pandemic, treatment developments, public adoption rates of COVID-19 vaccines, including booster shots, and their effectiveness against emerging variants of COVID-19, the impact of the COVID-19 pandemic on the Company’s customers and demand for financial services, the actions governments, businesses and individuals take in response to the pandemic, the impact of the COVID-19 pandemic and actions taken in response to the pandemic on global and regional economies, national and local economic activity, and the pace of recovery when the COVID-19 pandemic subsides, among others. Moreover, investors are cautioned to interpret many of the risks identified under the section entitled “Risk Factors” in our Form 10-K for the year ended December 31, 2021 as being heightened as a result of the ongoing and numerous adverse impacts of the COVID-19 pandemic.

The Company cautions readers not to place undue reliance on any forward-looking statements, which speak only as of the date made, and advises readers that various factors including, but not limited to, those described above and other factors discussed in the Company’s annual and quarterly reports previously filed with the SEC, could affect the Company’s financial performance and could cause the Company’s actual results or circumstances for future periods to differ materially from those anticipated or projected.

Unless required by law, the Company does not undertake, and specifically disclaims any obligations to, publicly release any revisions that may be made to any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements.

Non-GAAP Measures

This press release contains financial information determined by methods other than in accordance with accounting principles generally accepted in the United States of America (“GAAP”). Where non-GAAP disclosures are used in this press release, the comparable GAAP measure, as well as a reconciliation to the comparable GAAP measure, is provided in the accompanying tables. Management believes that these non-GAAP measures provide useful information that is important to an understanding of the results of the Company’s core business as well as provide information standard in the financial institution industry. Non-GAAP measures should not be considered a substitute for financial measures determined in accordance with GAAP and investors should consider the Company’s performance and financial condition as reported under GAAP and all other relevant information when assessing the performance or financial condition of the Company. Amounts previously reported in the consolidated financial statements are reclassified whenever necessary to conform to current period presentation.

8
NBT Bancorp Inc. and Subsidiaries
Selected Financial Data
(unaudited, dollars in thousands except per share data)
      

 
2022
    
2021
  
   
2nd Q
    
1st Q
    
4th Q
    
3rd Q
    
2nd Q
  
Profitability:
                              
Diluted earnings per share
  
$
0.88
    
$
0.90
    
$
0.86
    
$
0.86
    
$
0.92
  
Weighted average diluted common shares outstanding
    
43,092,851
      
43,385,451
      
43,574,539
      
43,631,497
      
43,792,940
  
Return on average assets3
    
1.28
%
    
1.32
%
    
1.23
%
    
1.26
%
    
1.39
%
Return on average equity3
    
12.73
%
    
12.78
%
    
11.89
%
    
12.04
%
    
13.42
%
Return on average tangible common equity1 3
    
17.00
%
    
16.87
%
    
15.70
%
    
15.97
%
    
17.93
%
Net interest margin1 3
    
3.21
%
    
2.95
%
    
3.08
%
    
2.88
%
    
3.00
%
                                         
   
6 Months Ended June 30,
                        
     
2022
      
2021
                          
Profitability:
                                        
Diluted earnings per share
  
$
1.78
    
$
1.83
                          
Weighted average diluted common shares outstanding
    
43,238,248
      
43,839,060
                          
Return on average assets3
    
1.30
%
    
1.42
%
                        
Return on average equity3
    
12.76
%
    
13.49
%
                        
Return on average tangible common equity1 3
    
16.93
%
    
18.08
%
                        
Net interest margin1 3
    
3.08
%
    
3.08
%
                        
                                         
     
2022
      
2021
  
   
2nd Q
    
1st Q
    
4th Q
    
3rd Q
    
2nd Q
  
Balance sheet data:
                                        
Short-term interest-bearing accounts
  
$
328,593
    
$
913,315
    
$
1,111,296
    
$
1,131,074
    
$
883,758
  
Securities available for sale
    
1,619,356
      
1,662,697
      
1,687,361
      
1,576,030
      
1,534,733
  
Securities held to maturity
    
936,512
      
895,005
      
733,210
      
683,103
      
622,351
  
Net loans
    
7,684,081
      
7,559,826
      
7,406,459
      
7,473,442
      
7,419,127
  
Total assets
    
11,720,459
      
12,147,833
      
12,012,111
      
11,994,411
      
11,574,947
  
Total deposits
    
10,028,708
      
10,461,623
      
10,234,469
      
10,195,178
      
9,785,257
  
Total borrowings
    
265,796
      
278,788
      
311,476
      
313,311
      
304,110
  
Total liabilities
    
10,531,903
      
10,945,583
      
10,761,658
      
10,752,954
      
10,349,891
  
Stockholders' equity
    
1,188,556
      
1,202,250
      
1,250,453
      
1,241,457
      
1,225,056
  
                                         
Capital:
                                        
Equity to assets
    
10.14
%
    
9.90
%
    
10.41
%
    
10.35
%
    
10.58
%
Tangible equity ratio1
    
7.87
%
    
7.70
%
    
8.20
%
    
8.13
%
    
8.28
%
Book value per share
  
$
27.75
    
$
27.96
    
$
28.97
    
$
28.65
    
$
28.19
  
Tangible book value per share2
  
$
20.99
    
$
21.25
    
$
22.26
    
$
21.95
    
$
21.50
  
Leverage ratio
    
9.77
%
    
9.52
%
    
9.41
%
    
9.47
%
    
9.40
%
Common equity tier 1 capital ratio
    
12.14
%
    
12.23
%
    
12.25
%
    
12.20
%
    
12.12
%
Tier 1 capital ratio
    
13.27
%
    
13.39
%
    
13.43
%
    
13.39
%
    
13.34
%
Total risk-based capital ratio
    
15.50
%
    
15.64
%
    
15.73
%
    
15.74
%
    
15.78
%
Common stock price (end of period)
  
$
37.59
    
$
36.13
    
$
38.52
    
$
36.12
    
$
35.97
  

9
NBT Bancorp Inc. and Subsidiaries
Asset Quality and Consolidated Loan Balances
(unaudited, dollars in thousands)

   
2022
    
2021
  
   
2nd Q
    
1st Q
    
4th Q
    
3rd Q
    
2nd Q
  
Asset quality:
                              
Nonaccrual loans
  
$
23,673
    
$
25,812
    
$
30,285
    
$
35,737
    
$
40,550
  
90 days past due and still accruing
    
2,096
      
1,944
      
2,458
      
2,940
      
2,575
  
Total nonperforming loans
    
25,769
      
27,756
      
32,743
      
38,677
      
43,125
  
Other real estate owned
    
-
      
-
      
167
      
859
      
798
  
Total nonperforming assets
    
25,769
      
27,756
      
32,910
      
39,536
      
43,923
  
Allowance for loan losses
    
93,600
      
90,000
      
92,000
      
93,000
      
98,500
  
                                         
Asset quality ratios (total):
                                        
Allowance for loan losses to total loans
    
1.20
%
    
1.18
%
    
1.23
%
    
1.23
%
    
1.31
%
Total nonperforming loans to total loans
    
0.33
%
    
0.36
%
    
0.44
%
    
0.51
%
    
0.57
%
Total nonperforming assets to total assets
    
0.22
%
    
0.23
%
    
0.27
%
    
0.33
%
    
0.38
%
Allowance for loan losses to total nonperforming loans
    
363.23
%
    
324.25
%
    
280.98
%
    
240.45
%
    
228.41
%
Past due loans to total loans4
    
0.40
%
    
0.24
%
    
0.29
%
    
0.46
%
    
0.26
%
Net charge-offs to average loans3
    
0.04
%
    
0.14
%
    
0.22
%
    
0.11
%
    
0.07
%
                                         
Asset quality ratios (excluding paycheck protection program):
                                  
Allowance for loan losses to total loans
    
1.21
%
    
1.18
%
    
1.24
%
    
1.28
%
    
1.38
%
Total nonperforming loans to total loans
    
0.33
%
    
0.37
%
    
0.44
%
    
0.53
%
    
0.60
%
Total nonperforming assets to total assets
    
0.22
%
    
0.23
%
    
0.28
%
    
0.34
%
    
0.39
%
Allowance for loan losses to total nonperforming loans
    
363.27
%
    
324.24
%
    
280.96
%
    
240.42
%
    
228.36
%
Past due loans to total loans4
    
0.40
%
    
0.25
%
    
0.29
%
    
0.48
%
    
0.27
%
Net charge-offs to average loans3
    
0.04
%
    
0.14
%
    
0.22
%
    
0.12
%
    
0.07
%
                                         
   
2022
      
2021
  
   
2nd Q
    
1st Q
    
4th Q
    
3rd Q
    
2nd Q
  
Allowance for loan losses as a percentage of loans by segment:
                          
Commercial & industrial
    
0.75
%
    
0.66
%
    
0.78
%
    
0.83
%
    
1.11
%
Commercial real estate
    
0.89
%
    
0.79
%
    
0.78
%
    
0.93
%
    
1.26
%
Paycheck protection program
    
0.01
%
    
0.01
%
    
0.01
%
    
0.01
%
    
0.01
%
Residential real estate
    
0.79
%
    
0.88
%
    
0.92
%
    
0.93
%
    
0.98
%
Auto
    
0.79
%
    
0.76
%
    
0.79
%
    
0.78
%
    
0.76
%
Other consumer
    
3.98
%
    
4.14
%
    
4.49
%
    
4.57
%
    
4.27
%
  Total
    
1.20
%
    
1.18
%
    
1.23
%
    
1.23
%
    
1.31
%
  Total excluding PPP loans
    
1.21
%
    
1.18
%
    
1.24
%
    
1.28
%
    
1.38
%
                                         
   
2022
      
2021
  
Loans by line of business:
  
2nd Q
    
1st Q
    
4th Q
    
3rd Q
    
2nd Q
  
Commercial
  
$
1,298,072
    
$
1,214,834
    
$
1,155,240
    
$
1,148,176
    
$
1,159,591
  
Commercial real estate
    
2,670,633
      
2,709,611
      
2,655,367
      
2,638,762
      
2,585,421
  
Paycheck protection program
    
17,286
      
50,977
      
101,222
      
276,195
      
359,738
  
Residential real estate mortgages
    
1,606,188
      
1,584,551
      
1,571,232
      
1,549,684
      
1,512,354
  
Indirect auto
    
936,516
      
890,643
      
859,454
      
873,860
      
899,324
  
Residential solar
    
599,565
      
514,526
      
440,016
      
365,299
      
325,717
  
Home equity
    
313,395
      
319,180
      
330,357
      
339,316
      
351,469
  
Other consumer
    
336,026
      
365,504
      
385,571
      
375,150
      
324,013
  
  Total loans
  
$
7,777,681
    
$
7,649,826
    
$
7,498,459
    
$
7,566,442
    
$
7,517,627
  
                                         
PPP income recognized
  
$
1,301
    
$
1,976
    
$
7,545
    
$
2,861
    
$
4,732
  
PPP unamortized fees
  
$
414
    
$
1,629
    
$
3,420
    
$
10,536
    
$
12,576
  

10
NBT Bancorp Inc. and Subsidiaries
Consolidated Balance Sheets
(unaudited, dollars in thousands)

   
June 30,
    
December 31,
Assets
  
2022
    
2021
Cash and due from banks
  
$
195,023
    
$
157,775
Short-term interest-bearing accounts
    
328,593
      
1,111,296
Equity securities, at fair value
    
29,974
      
33,550
Securities available for sale, at fair value
    
1,619,356
      
1,687,361
Securities held to maturity (fair value $864,234 and $735,260, respectively)
    
936,512
      
733,210
Federal Reserve and Federal Home Loan Bank stock
    
24,893
      
25,098
Loans held for sale
    
128
      
830
Loans
    
7,777,681
      
7,498,459
Less allowance for loan losses
    
93,600
      
92,000
  Net loans
  
$
7,684,081
    
$
7,406,459
Premises and equipment, net
    
69,426
      
72,093
Goodwill
    
281,112
      
280,541
Intangible assets, net
    
8,147
      
8,927
Bank owned life insurance
    
230,390
      
228,238
Other assets
    
312,824
      
266,733
Total assets
  
$
11,720,459
    
$
12,012,111
               
Liabilities and stockholders' equity
              
Demand (noninterest bearing)
  
$
3,717,899
    
$
3,689,556
Savings, NOW and money market
    
5,845,045
      
6,043,441
Time
    
465,764
      
501,472
  Total deposits
  
$
10,028,708
    
$
10,234,469
Short-term borrowings
    
62,545
      
97,795
Long-term debt
    
3,347
      
13,995
Subordinated debt, net
    
98,708
      
98,490
Junior subordinated debt
    
101,196
      
101,196
Other liabilities
    
237,399
      
215,713
Total liabilities
  
$
10,531,903
    
$
10,761,658
               
Total stockholders' equity
  
$
1,188,556
    
$
1,250,453
               
Total liabilities and stockholders' equity
  
$
11,720,459
    
$
12,012,111

11
NBT Bancorp Inc. and Subsidiaries
Consolidated Statements of Income
(unaudited, dollars in thousands except per share data)

   
Three Months Ended
    
Six Months Ended
  
   
June 30,
    
June 30,
  
   
2022
    
2021
    
2022
    
2021
  
Interest, fee and dividend income
                        
Interest and fees on loans
  
$
78,539
    
$
74,795
    
$
151,882
    
$
149,888
  
Securities available for sale
    
7,317
      
5,762
      
14,157
      
11,306
  
Securities held to maturity
    
4,185
      
3,096
      
7,678
      
6,478
  
Other
    
1,442
      
391
      
1,967
      
682
  
  Total interest, fee and dividend income
  
$
91,483
    
$
84,044
    
$
175,684
    
$
168,354
  
Interest expense
                                
Deposits
  
$
1,756
    
$
2,862
    
$
3,598
    
$
6,034
  
Short-term borrowings
    
13
      
32
      
29
      
102
  
Long-term debt
    
33
      
88
      
120
      
212
  
Subordinated debt
    
1,359
      
1,359
      
2,718
      
2,718
  
Junior subordinated debt
    
737
      
525
      
1,286
      
1,055
  
  Total interest expense
  
$
3,898
    
$
4,866
    
$
7,751
    
$
10,121
  
Net interest income
  
$
87,585
    
$
79,178
    
$
167,933
    
$
158,233
  
Provision for loan losses
    
4,390
      
(5,216
)
    
4,986
      
(8,012
 )
  Net interest income after provision for loan losses
  
$
83,195
    
$
84,394
    
$
162,947
    
$
166,245
  
Noninterest income
                                
Service charges on deposit accounts
  
$
3,763
    
$
3,028
    
$
7,451
    
$
6,055
  
Card services income
    
9,751
      
9,184
      
18,446
      
16,734
  
Retirement plan administration fees
    
12,676
      
9,779
      
25,955
      
19,877
  
Wealth management
    
8,252
      
8,406
      
16,892
      
16,316
  
Insurance services
    
3,578
      
3,508
      
7,366
      
6,969
  
Bank owned life insurance income
    
1,411
      
1,659
      
3,065
      
3,040
  
Net securities (losses) gains
    
(587
)
    
201
      
(766
)
    
668
  
Other
    
2,812
      
3,551
      
5,906
      
6,695
  
  Total noninterest income
  
$
41,656
    
$
39,316
    
$
84,315
    
$
76,354
  
Noninterest expense
                                
Salaries and employee benefits
  
$
46,716
    
$
42,671
    
$
92,224
    
$
84,272
  
Technology and data services
    
8,945
      
8,841
      
17,492
      
17,733
  
Occupancy
    
6,487
      
6,370
      
13,280
      
13,259
  
Professional fees and outside services
    
3,906
      
4,030
      
8,182
      
7,619
  
Office supplies and postage
    
1,548
      
1,615
      
2,972
      
3,114
  
FDIC expense
    
810
      
663
      
1,612
      
1,471
  
Advertising
    
730
      
468
      
1,384
      
919
  
Amortization of intangible assets
    
545
      
682
      
1,181
      
1,494
  
Loan collection and other real estate owned, net
    
757
      
663
      
1,141
      
1,253
  
Other
    
5,675
      
5,416
      
8,794
      
8,173
  
  Total noninterest expense
  
$
76,119
    
$
71,419
    
$
148,262
    
$
139,307
  
Income before income tax expense
  
$
48,732
    
$
52,291
    
$
99,000
    
$
103,292
  
Income tax expense
    
10,957
      
11,995
      
22,099
      
23,150
  
   Net income
  
$
37,775
    
$
40,296
    
$
76,901
    
$
80,142
  
Earnings Per Share
                                
Basic
  
$
0.88
    
$
0.93
    
$
1.79
    
$
1.84
  
Diluted
  
$
0.88
    
$
0.92
    
$
1.78
    
$
1.83
  

12
NBT Bancorp Inc. and Subsidiaries
Quarterly Consolidated Statements of Income
(unaudited, dollars in thousands except per share data)

   
2022
    
2021
  
   
2nd Q
    
1st Q
    
4th Q
    
3rd Q
    
2nd Q
  
Interest, fee and dividend income
                          
Interest and fees on loans
  
$
78,539
    
$
73,343
    
$
79,470
    
$
72,817
    
$
74,795
  
Securities available for sale
    
7,317
      
6,840
      
6,101
      
5,898
      
5,762
  
Securities held to maturity
    
4,185
      
3,493
      
3,097
      
2,976
      
3,096
  
Other
    
1,442
      
525
      
639
      
524
      
391
  
Total interest, fee and dividend income
  
$
91,483
    
$
84,201
    
$
89,307
    
$
82,215
    
$
84,044
  
Interest expense
                                        
Deposits
  
$
1,756
    
$
1,842
    
$
2,132
    
$
2,548
    
$
2,862
  
Short-term borrowings
    
13
      
16
      
28
      
28
      
32
  
Long-term debt
    
33
      
87
      
88
      
89
      
88
  
Subordinated debt
    
1,359
      
1,359
      
1,360
      
1,359
      
1,359
  
Junior subordinated debt
    
737
      
549
      
518
      
517
      
525
  
Total interest expense
  
$
3,898
    
$
3,853
    
$
4,126
    
$
4,541
    
$
4,866
  
Net interest income
  
$
87,585
    
$
80,348
    
$
85,181
    
$
77,674
    
$
79,178
  
Provision for loan losses
    
4,390
      
596
      
3,097
      
(3,342
)
    
(5,216
 )
Net interest income after provision for loan losses
  
$
83,195
    
$
79,752
    
$
82,084
    
$
81,016
    
$
84,394
  
Noninterest income
                                        
Service charges on deposit accounts
  
$
3,763
    
$
3,688
    
$
3,804
    
$
3,489
    
$
3,028
  
Card services income
    
9,751
      
8,695
      
8,847
      
9,101
      
9,184
  
Retirement plan administration fees
    
12,676
      
13,279
      
11,816
      
10,495
      
9,779
  
Wealth management
    
8,252
      
8,640
      
8,619
      
8,783
      
8,406
  
Insurance services
    
3,578
      
3,788
      
3,394
      
3,720
      
3,508
  
Bank owned life insurance income
    
1,411
      
1,654
      
1,629
      
1,548
      
1,659
  
Net securities (losses) gains
    
(587
)
    
(179
)
    
(2
)
    
(100
)
    
201
  
Other
    
2,812
      
3,094
      
3,004
      
3,293
      
3,551
  
Total noninterest income
  
$
41,656
    
$
42,659
    
$
41,111
    
$
40,329
    
$
39,316
  
Noninterest expense
                                        
Salaries and employee benefits
  
$
46,716
    
$
45,508
    
$
44,118
    
$
44,190
    
$
42,671
  
Technology and data services
    
8,945
      
8,547
      
8,563
      
8,421
      
8,841
  
Occupancy
    
6,487
      
6,793
      
6,635
      
6,154
      
6,370
  
Professional fees and outside services
    
3,906
      
4,276
      
4,903
      
3,784
      
4,030
  
Office supplies and postage
    
1,548
      
1,424
      
1,528
      
1,364
      
1,615
  
FDIC expense
    
810
      
802
      
798
      
772
      
663
  
Advertising
    
730
      
654
      
1,019
      
583
      
468
  
Amortization of intangible assets
    
545
      
636
      
651
      
663
      
682
  
Loan collection and other real estate owned, net
    
757
      
384
      
956
      
706
      
663
  
Other
    
5,675
      
3,119
      
5,934
      
6,232
      
5,416
  
Total noninterest expense
  
$
76,119
    
$
72,143
    
$
75,105
    
$
72,869
    
$
71,419
  
Income before income tax expense
  
$
48,732
    
$
50,268
    
$
48,090
    
$
48,476
    
$
52,291
  
Income tax expense
    
10,957
      
11,142
      
10,780
      
11,043
      
11,995
  
Net income
  
$
37,775
    
$
39,126
    
$
37,310
    
$
37,433
    
$
40,296
  
Earnings Per Share
                                        
Basic
  
$
0.88
    
$
0.91
    
$
0.86
    
$
0.86
    
$
0.93
  
Diluted
  
$
0.88
    
$
0.90
    
$
0.86
    
$
0.86
    
$
0.92
  

13
NBT Bancorp Inc. and Subsidiaries
Average Quarterly Balance Sheets
(unaudited, dollars in thousands)

   
Average
Balance
    
Yield /
Rates
    
Average
Balance
    
Yield /
Rates
    
Average
Balance
    
Yield /
Rates
    
Average
Balance
    
Yield /
Rates
    
Average
Balance
    
Yield /
Rates
  
     
Q2 - 2022
      
Q1 - 2022
      
Q4 - 2021
      
Q3 - 2021
      
Q2 - 2021
  
Assets
                                                                      
Short-term interest-bearing accounts
  
$
553,548
      
0.82
%
  
$
990,319
      
0.17
%
  
$
1,145,794
      
0.16
%
  
$
1,014,120
      
0.16
%
  
$
974,034
      
0.09
%
Securities taxable1
    
2,439,960
      
1.74
%
    
2,284,578
      
1.67
%
    
2,081,796
      
1.57
%
    
1,923,700
      
1.63
%
    
1,864,542
      
1.69
%
Securities tax-exempt 1 5
    
256,799
      
1.83
%
    
258,513
      
1.84
%
    
257,320
      
1.85
%
    
246,685
      
1.97
%
    
193,108
      
2.59
%
FRB and FHLB stock
    
24,983
      
5.03
%
    
25,026
      
1.98
%
    
25,149
      
2.74
%
    
25,154
      
1.91
%
    
25,115
      
2.67
%
Loans1 6
    
7,707,730
      
4.09
%
    
7,530,674
      
3.95
%
    
7,507,165
      
4.20
%
    
7,517,839
      
3.84
%
    
7,574,272
      
3.96
%
Total interest-earning assets
  
$
10,983,020
      
3.35
%
  
$
11,089,110
      
3.09
%
  
$
11,017,224
      
3.23
%
  
$
10,727,498
      
3.05
%
  
$
10,631,071
      
3.18
%
Other assets
    
883,498
              
947,578
              
982,136
              
1,019,797
              
971,681
          
Total assets
  
$
11,866,518
            
$
12,036,688
            
$
11,999,360
            
$
11,747,295
            
$
11,602,752
          
Liabilities and stockholders' equity
                                                                          
Money market deposit accounts
  
$
2,577,367
      
0.14
%
  
$
2,720,338
      
0.15
%
  
$
2,678,477
      
0.16
%
  
$
2,580,570
      
0.19
%
  
$
2,605,767
      
0.21
%
NOW deposit accounts
    
1,580,132
      
0.07
%
    
1,583,091
      
0.05
%
    
1,551,846
      
0.05
%
    
1,442,678
      
0.05
%
    
1,454,751
      
0.05
%
Savings deposits
    
1,845,128
      
0.03
%
    
1,794,549
      
0.03
%
    
1,725,004
      
0.05
%
    
1,691,539
      
0.05
%
    
1,660,722
      
0.05
%
Time deposits
    
478,531
      
0.37
%
    
494,632
      
0.40
%
    
537,875
      
0.46
%
    
565,216
      
0.62
%
    
591,147
      
0.75
%
Total interest-bearing deposits
  
$
6,481,158
      
0.11
%
  
$
6,592,610
      
0.11
%
  
$
6,493,202
      
0.13
%
  
$
6,280,003
      
0.16
%
  
$
6,312,387
      
0.18
%
Federal funds purchased
    
-
      
-
      
-
      
-
      
65
      
-
      
-
      
-
      
-
      
-
  
Repurchase agreements
  

60,061
      
0.09
%
  

72,768
      
0.09
%
    
97,389
      
0.11
%
    
99,703
      
0.11
%
    
95,226
      
0.13
%
Short-term borrowings
    
-
      
-
      
-
      
-
      
1
      
-
      
-
      
-
      
-
      
-
  
Long-term debt
    
5,336
      
2.48
%
    
13,979
      
2.52
%
    
14,004
      
2.49
%
    
14,029
      
2.52
%
    
14,053
      
2.51
%
Subordinated debt, net
    
98,642
      
5.53
%
    
98,531
      
5.59
%
    
98,422
      
5.48
%
    
98,311
      
5.48
%
    
98,204
      
5.55
%
Junior subordinated debt
    
101,196
      
2.92
%
    
101,196
      
2.20
%
    
101,196
      
2.03
%
    
101,196
      
2.03
%
    
101,196
      
2.08
%
Total interest-bearing liabilities
  
$
6,746,393
      
0.23
%
  
$
6,879,084
      
0.23
%
  
$
6,804,279
      
0.24
%
  
$
6,593,242
      
0.27
%
  
$
6,621,066
      
0.29
%
Demand deposits
    
3,711,049
              
3,710,124
              
3,719,070
              
3,676,883
              
3,542,176
          
Other liabilities
    
218,491
              
206,292
              
231,260
              
244,125
              
235,536
          
Stockholders' equity
    
1,190,585
              
1,241,188
              
1,244,751
              
1,233,045
              
1,203,974
          
Total liabilities and stockholders' equity
  
$
11,866,518
            
$
12,036,688
            
$
11,999,360
            
$
11,747,295
            
$
11,602,752
          
Interest rate spread
            
3.12
%
            
2.86
%
            
2.99
%
            
2.78
%
            
2.89
%
Net interest margin (FTE)1
            
3.21
%
            
2.95
%
            
3.08
%
            
2.88
%
            
3.00
%

14
NBT Bancorp Inc. and Subsidiaries
Average Year-to-Date Balance Sheets
(unaudited, dollars in thousands)

   
Average
          
Yield/
    
Average
          
Yield/
  
   
Balance
    
Interest
    
Rates
    
Balance
    
Interest
    
Rates
  
Six Months Ended June 30,
  
2022
    
2021
  
Assets
                                    
Short-term interest-bearing accounts
  
$
770,727
    
$
1,533
      
0.40
%
  
$
781,764
    
$
360
      
0.09
%
Securities taxable1
    
2,362,699
      
19,981
      
1.71
%
    
1,817,008
      
15,806
      
1.75
%
Securities tax-exempt 1 5
    
257,651
      
2,347
      
1.84
%
    
188,998
      
2,504
      
2.67
%
FRB and FHLB stock
    
25,004
      
434
      
3.50
%
    
25,359
      
322
      
2.56
%
Loans1 6
    
7,619,691
      
151,964
      
4.02
%
    
7,574,304
      
149,963
      
3.99
%
Total interest-earning assets
  
$
11,035,772
    
$
176,259
      
3.22
%
  
$
10,387,433
    
$
168,955
      
3.28
%
Other assets
    
915,361
                      
966,367
                  
Total assets
  
$
11,951,133
                    
$
11,353,800
                  
Liabilities and stockholders' equity
                                                
Money market deposit accounts
  
$
2,648,458
    
$
1,924
      
0.15
%
  
$
2,545,280
    
$
2,755
      
0.22
%
NOW deposit accounts
    
1,581,603
      
460
      
0.06
%
    
1,407,118
      
348
      
0.05
%
Savings deposits
    
1,819,978
      
293
      
0.03
%
    
1,604,664
      
406
      
0.05
%
Time deposits
    
486,537
      
921
      
0.38
%
    
603,178
      
2,525
      
0.84
%
Total interest-bearing deposits
  
$
6,536,576
    
$
3,598
      
0.11
%
  
$
6,160,240
    
$
6,034
      
0.20
%
Federal funds purchased
    
-
    

-
      
-
      
-
      
-
      
-
  
Repurchase agreements
  

66,379
    

29
      
0.09
%
    
102,525
      
75
      
0.15
%
Short-term borrowings
    
-
      
-
      
-
      
2,624
      
27
      
2.07
%
Long-term debt
    
9,634
      
120
      
2.51
%
    
16,967
      
212
      
2.52
%
Subordinated debt, net
    
98,587
      
2,718
      
5.56
%
    
98,149
      
2,718
      
5.58
%
Junior subordinated debt
    
101,196
      
1,286
      
2.56
%
    
101,196
      
1,055
      
2.10
%
Total interest-bearing liabilities
  
$
6,812,372
    
$
7,751
      
0.23
%
  
$
6,481,701
    
$
10,121
      
0.31
%
Demand deposits
    
3,710,589
                      
3,431,216
                  
Other liabilities
    
212,425
                      
243,221
                  
Stockholders' equity
    
1,215,747
                      
1,197,662
                  
Total liabilities and stockholders' equity
  
$
11,951,133
                    
$
11,353,800
                  
Net interest income (FTE)1
          
$
168,508
                    
$
158,834
          
Interest rate spread
                    
2.99
%
                    
2.97
%
Net interest margin (FTE)1
                    
3.08
%
                    
3.08
%
Taxable equivalent adjustment
          
$
575
                    
$
601
          
Net interest income
          
$
167,933
                    
$
158,233
          

15
1
The following tables provide the Non-GAAP reconciliations for the Non-GAAP measures contained in this release:

Non-GAAP measures
(unaudited, dollars in thousands)

Pre-provision net revenue ("PPNR")
  
2022
    
2021
  
   
2nd Q
    
1st Q
    
4th Q
    
3rd Q
    
2nd Q
  
Net income
   $
37,775
     $
39,126
     $
37,310
     $
37,433
     $
40,296
  
Income tax expense
    
10,957
      
11,142
      
10,780
      
11,043
      
11,995
  
Provision for loan losses
    
4,390
      
596
      
3,097
      
(3,342
)
    
(5,216
)
FTE adjustment
    
290
      
285
      
292
      
298
      
299
  
Net securities losses (gains)
    
587
      
179
      
2
      
100
      
(201
)
Provision for unfunded loan commitments reserve
    
240
      
(260
)
    
(250
)
    
(470
)
    
(80
)
Nonrecurring expense
    
-
      
(172
)
    
250
      
2,288
      
1,880
  
PPNR
  
$
54,239
    
$
50,896
    
$
51,481
    
$
47,350
    
$
48,973
  
                                         
Average assets
  
$
11,866,518
    
$
12,036,688
    
$
11,999,360
    
$
11,747,295
    
$
11,602,757
  
                                         
Return on average assets3
    
1.28
%
    
1.32
%
    
1.23
%
    
1.26
%
    
1.39
%
PPNR return on average assets3
    
1.83
%
    
1.71
%
    
1.70
%
    
1.60
%
    
1.69
%
                                         
   
6 Months Ended June 30,
                          
     
2022
      
2021
                          
Net income
  
$
76,901
     $
80,142
                          
Income tax expense
    
22,099
      
23,150
                          
Provision for loan losses
    
4,986
      
(8,012
)
                        
FTE adjustment
    
575
      
601
                          
Net securities losses (gains)
    
766
      
(668
)
                        
Provision for unfunded loan commitments reserve
    
(20
)
    
(580
)
                        
Nonrecurring expense
    
(172
)
    
1,880
                          
PPNR
  
$
105,135
    
$
96,513
                          
                                         
Average Assets
  
$
11,951,133
    
$
11,353,800
                          
                                         
Return on average assets3
    
1.30
%
    
1.42
%
                        
PPNR return on average assets3
    
1.77
%
    
1.71
%
                        

PPNR is a Non-GAAP financial measure that management believes is useful in evaluating the underlying operating results of the Company excluding the volatility in the provision for loan losses, net securities gains (losses) and non-recurring income and/or expense.

FTE adjustment
  
2022
    
2021
  
   
2nd Q
    
1st Q
    
4th Q
    
3rd Q
    
2nd Q
  
Net interest income
  
$
87,585
    
$
80,348
    
$
85,181
    
$
77,674
    
$
79,178
  
Add: FTE adjustment
    
290
      
285
      
292
      
298
      
299
  
Net interest income (FTE)
  
$
87,875
    
$
80,633
    
$
85,473
    
$
77,972
    
$
79,477
  
Average earning assets
  
$
10,983,020
    
$
11,089,110
    
$
11,017,224
    
$
10,727,498
    
$
10,631,071
  
Net interest margin (FTE)3
    
3.21
%
    
2.95
%
    
3.08
%
    
2.88
%
    
3.00
%
                                         
   
6 Months Ended June 30,
                          
     
2022
      
2021
                          
Net interest income
  
$
167,933
    
$
158,233
                          
Add: FTE adjustment
    
575
      
601
                          
Net interest income (FTE)
  
$
168,508
    
$
158,834
                          
Average earning assets
  
$
11,035,772
    
$
10,387,433
                          
Net interest margin (FTE)3
    
3.08
%
    
3.08
%
                        

Interest income for tax-exempt securities and loans have been adjusted to a FTE basis using the statutory Federal income tax rate of 21%.

16
1
The following tables provide the Non-GAAP reconciliations for the Non-GAAP measures contained in this release:

Non-GAAP measures
(unaudited, dollars in thousands)

Tangible equity to tangible assets
  
2022
    
2021
  
   
2nd Q
    
1st Q
    
4th Q
    
3rd Q
    
2nd Q
  
Total equity
  
$
1,188,556
    
$
1,202,250
    
$
1,250,453
    
$
1,241,457
    
$
1,225,056
  
Intangible assets
    
289,259
      
288,832
      
289,468
      
290,119
      
290,782
  
Total assets
  
$
11,720,459
    
$
12,147,833
    
$
12,012,111
    
$
11,994,411
    
$
11,574,947
  
Tangible equity to tangible assets
    
7.87
%
    
7.70
%
    
8.20
%
    
8.13
%
    
8.28
%
                                         
Return on average tangible common equity
    
2022
      
2021
  
   
2nd Q
    
1st Q
    
4th Q
    
3rd Q
    
2nd Q
  
Net income
  
$
37,775
    
$
39,126
    
$
37,310
    
$
37,433
    
$
40,296
  
Amortization of intangible assets (net of tax)
    
409
      
477
      
488
      
497
      
512
  
Net income, excluding intangibles amortization
  
$
38,184
    
$
39,603
    
$
37,798
    
$
37,930
    
$
40,808
  
                                         
Average stockholders' equity
  
$
1,190,585
    
$
1,241,188
    
$
1,244,751
    
$
1,233,045
    
$
1,203,974
  
Less: average goodwill and other intangibles
    
289,584
      
289,218
      
289,834
      
290,492
      
291,133
  
Average tangible common equity
  
$
901,001
    
$
951,970
    
$
954,917
    
$
942,553
    
$
912,841
  
Return on average tangible common equity3
    
17.00
%
    
16.87
%
    
15.70
%
    
15.97
%
    
17.93
%
                                         
   
6 Months Ended June 30,
                          
     
2022
      
2021
                          
Net income
  
$
76,901
    
$
80,142
                          
Amortization of intangible assets (net of tax)
    
886
      
1,121
                          
Net income, excluding intangibles amortization
  
$
77,787
    
$
81,263
                          
                                         
Average stockholders' equity
  
$
1,215,747
    
$
1,197,662
                          
Less: average goodwill and other intangibles
    
289,402
      
291,525
                          
Average tangible common equity
  
$
926,345
    
$
906,137
                          
Return on average tangible common equity3
    
16.93
%
    
18.08
%
                        

2
Non-GAAP measure - Stockholders' equity less goodwill and intangible assets divided by common shares outstanding.
3
Annualized.
4
Total past due loans, defined as loans 30 days or more past due and in an accrual status.
5
Securities are shown at average amortized cost.
6
For purposes of these computations, nonaccrual loans and loans held for sale are included in the average loan balances outstanding.


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Document and Entity Information
Jul. 25, 2022
Cover [Abstract]  
Document Type 8-K
Amendment Flag false
Document Period End Date Jul. 25, 2022
Entity File Number 000-14703
Entity Registrant Name NBT BANCORP INC
Entity Central Index Key 0000790359
Entity Incorporation, State or Country Code DE
Entity Tax Identification Number 16-1268674
Entity Address, Address Line One 52 South Broad Street
Entity Address, City or Town Norwich
Entity Address, State or Province NY
Entity Address, Postal Zip Code 13815
City Area Code 607
Local Phone Number 337-2265
Entity Emerging Growth Company false
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security Common Stock, par value $0.01 per share
Trading Symbol NBTB
Security Exchange Name NASDAQ
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