CEO Comments“The second quarter demonstrated the strength and momentum of NBT’s diversified banking franchise,” said NBT President and CEO Scott Kingsley. Card services income increased $0.6 million, or 9.7%, from the prior quarter and increased $0.5 million, or 8.8% from the second quarter of 2025. Retirement plan administration fees increased $0.4 million, or 2.2%, from the prior quarter and increased $1.2 million, or 7.8%, from the second quarter of 2025. Occupancy costs decreased $1.5 million from the prior quarter and increased $0.4 million from the second quarter of 2025. Tangible book value per share(2) was $27.71 at June 30, 2026, which increased 4.4% from $26.54 at December 31, 2025, and increased 12.8% from $24.57 at June 30, 2025.