NBT Bancorp Inc. (NBTB) Q2 2026 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good day, everyone. Welcome to the conference call covering NBT Bancorp's second quarter 2026 financial results. This call is being recorded and has been made accessible to the public in accordance with SEC Regulation FD. Corresponding presentation slides can be found on the company's website at nbtbancorp.com. Before the call begins, NBT Management would like to remind listeners that, as noted on slide 2, today's presentation may contain forward-looking statements as defined in the Securities and Exchange Commission. Actual results may differ from those projected. In addition, certain non-GAAP measures will be discussed. Reconciliations for these numbers are contained within the appendix of today's presentation. Currently, all participants are in a listen-only mode. Later, we will conduct a question-and-answer session. Instructions will follow at that time. As a reminder, this call is being recorded. I will now turn the conference over to NBT Bancorp President and CEO, Scott Kingsley, for his opening remarks. Mr. Kingsley, please begin. Thank you, Cherie. Good morning, and welcome to this earnings call covering NBT Bancorp's second quarter 2026 results. With me today are Annette Burns, NBT's Chief Financial Officer, Joe Stagliano, President of NBT Bank, and Joe Ondesco, our Treasurer. We are pleased with our solid operating performance for the second quarter, which demonstrated the strength and momentum of NBT's diversified financial services franchise. We generated significantly stronger earnings than in the prior year quarter, grew loans across every business line, and expanded our net interest margin to 3.73%. An increase of 14 basis points from one year ago. More than a year after completing the acquisition of Evans Bancorp, we continue to benefit from the talen...