NBT Bancorp delivered strong Q3 2025 results, demonstrating solid operating leverage and significant improvements in net interest margin, aided by the successful integration of Evans Bancorp.

• Net income rose to $54.5 million, equating to $1.03 per diluted share, with operating earnings of $1.05, up 19% from Q2.
• Net interest margin expanded for the sixth consecutive quarter, reflecting ongoing asset repricing and prudent funding cost management.
• Deposits increased by $2.1 billion year-to-date, driven by strong growth in checking and money market accounts, underpinned by the acquisition of Evans Bancorp.
• The company announced an 8.8% dividend increase, marking 13 consecutive years of dividend growth, reflecting robust capital strength and earnings consistency.
• Continued strategic expansion is planned with new branch openings in key markets, including Greater Rochester and Portland, Maine, to enhance regional presence.