Scott Kingsley
President and CEO, NBT Bancorp
Replay available
NBT Bancorp Inc. (NBTB) Q4 2025 Earnings Call
NBT Bancorp Inc. (NASDAQ: NBTB) Q4 2025 earnings conference call, held 2026-01-27. Replay captured from the company's public earnings webcast.
Hosted by
Featured presenters
Annette Burns
Chief Financial Officer, NBT Bancorp
Joe Stagliano
President of NBT Bank
Fetty Strickland
Analyst, Hove Group
Mark Fitzgibbon
Analyst, Piper Sandler
Thomas Reed
Analyst, Raymond James
David Conrad
Analyst, KBW
Investor webinar replay
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Replay transcript excerpt
WEBVTT 00:00:01.060 -- 00:00:06.265 Good day, everyone. Welcome to the conference call covering NBT's Bancorp's fourth 00:00:06.265 -- 00:00:09.788 quarter and full year 2025 financial results. 00:00:09.788 -- 00:00:13.512 This call is being recorded and has been made accessible to the public in accordance 00:00:13.512 -- 00:00:18.517 with SEC Regulation FD. Corresponding presentation slides can 00:00:18.517 -- 00:00:22.399 be found on the company's website at nbtbancorp.com. 00:00:23.101 -- 00:00:27.806 Before the call begins, NBT's management would like to remind listeners that, as noted 00:00:27.806 -- 00:00:31.837 on slide two, today's presentation may contain forward-looking statements as defined 00:00:31.837 -- 00:00:33.999 by the Securities and Exchange Commission. 00:00:33.999 -- 00:00:36.361 Actual results may differ from those projected. 00:00:36.361 -- 00:00:39.483 In addition, certain non-GAAP measures will be discussed. 00:00:39.483 -- 00:00:43.787 Reconciliations for these numbers are contained within the appendix of today's presentation. 00:00:43.787 -- 00:00:46.630 At this time, all participants are in a listen-only mode. 00:00:46.630 -- 00:00:48.812 Later, we will conduct a question-and-answer session. 00:00:48.812 -- 00:00:53.376 Instructions will follow at that time. As a reminder, this call is being recorded. 00:00:53.376 -- 00:00:58.561 I will now turn the call over to MBT's Bancorp President and CEO, Scott Kingsley, 00:00:58.561 -- 00:01:01.658 for opening remarks. Mr. Kingsley, please begin. 00:01:01.658 -- 00:01:06.043 Thank you, Tanya. Good morning, and thank you for joining us for this earnings call covering 00:01:06.043 -- 00:01:10.709 NBT Bancorp's fourth quarter and full year 2025 results. 00:01:10.709 -- 00:01:15.775 With me today are An...