Thomas (for Steve)'s questions to NBT Bancorp Inc (NBTB) leadership • Q1 2025
Question
Thomas, on behalf of Steve, inquired about the demand for credit in NBT's markets, the competitive landscape for loan pricing, and the potential for Evans Bancorp's bankers to leverage NBT's larger balance sheet post-merger.
Answer
Executive Scott Kingsley stated that loan pipelines are good and consistent across the footprint, with no clients abandoning projects despite macro uncertainties. He described the competitive pricing environment as generally rational and disciplined. Kingsley confirmed that leveraging NBT's larger balance sheet was a key value proposition for the Evans merger, anticipating both defensive and assertive growth opportunities soon after the transaction closes.