NBT Bancorp Inc. (NBTB) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:02.812 Thank you. 00:00:29.326 -- 00:00:34.935 Today's presentation may contain forward-looking statements as defined by the Securities 00:00:34.935 -- 00:00:40.283 and Exchange Commission. Actual results may differ from those projected. 00:00:40.283 -- 00:00:44.469 In addition, certain non-GAAP measures will be discussed. 00:00:44.469 -- 00:00:49.657 Reconciliations for these numbers are contained within the appendix of today's presentation. 00:00:49.657 -- 00:00:54.301 At this time, all participants are in a listen-only mode. 00:00:54.301 -- 00:00:59.306 Later, we will conduct a question and answer session and instructions will follow at 00:00:59.306 -- 00:01:03.371 that time. As a reminder, this call is being recorded. 00:01:03.371 -- 00:01:08.616 I will now turn the conference over to the NBT Bancorp President 00:01:08.616 -- 00:01:13.001 and CEO, Scott Kingsley, for his opening remarks. 00:01:13.001 -- 00:01:14.522 Mr. Kingsley, please begin. 00:01:14.522 -- 00:01:16.164 Thank 00:01:16.164 -- 00:01:21.210 you. Good morning and thank you for joining us for this earnings call covering NBT Bancorp's 00:01:21.210 -- 00:01:26.247 third quarter 2025 results. With me today are Annette Burns, 00:01:26.247 -- 00:01:31.433 NBT's Chief Financial Officer, Joe Stagliano, President of NBT Bank, and Joe 00:01:31.433 -- 00:01:33.735 Andesco, our Treasurer. 00:01:33.735 -- 00:01:37.800 Our operating performance for the third quarter reflected the positive attributes of 00:01:37.800 -- 00:01:42.905 productive asset repricing trends, the diversification of our revenue streams, 00:01:42.905 -- 00:01:48.071 prudent balance sheet growth, and the additive impact of our merger with Evans Bancorp, 00:01:48.071 -- 00:01:53.381 completed in the second quarter....