{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-23-002420","form_type":"8-K","ticker":"NBTB","cik":"0000790359","company_name":"NBT BANCORP INC","filed_at":"2023-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:48.096283+00:00","generated_at":"2026-06-20T12:06:11.911538+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"NBT Bancorp Q4 EPS $0.84, full year $3.52; dividend increases 7.1% to $0.30; Salisbury merger expected Q2 2023","bullets":["Q4 net income $36.1M ($0.84/diluted); FY net income $152.0M ($3.52/diluted), down from $154.9M ($3.54) in 2021.","Net interest income Q4 $99.8M, up 17.1% YoY; NIM 3.68% (FTE); period-end loans $8.15B, up 10.2% ex-PPP.","Provision for loan losses Q4 $7.7M vs $3.1M year ago; full year provision $17.1M vs benefit $8.3M in 2021.","Board declared $0.30/share quarterly dividend, a 7.1% increase; 10th consecutive year of annual dividend increases.","Merger with Salisbury Bancorp (all-stock); target assets $1.51B, deposits $1.33B; expected close Q2 2023 pending approvals."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-23-002420","json":"https://secwatch.observer/filing/0001140361-23-002420.json","markdown":"https://secwatch.observer/filing/0001140361-23-002420.md","text":"https://secwatch.observer/filing/0001140361-23-002420.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/790359/000114036123002420/0001140361-23-002420-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/790359/000114036123002420/brhc10046884_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T12:06:11.911538+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}