---
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"
generated_at: "2026-06-20T12:06:11.911538+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# NBT Bancorp Q4 EPS $0.84, full year $3.52; dividend increases 7.1% to $0.30; Salisbury merger expected Q2 2023

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-23-002420
- JSON: https://secwatch.observer/filing/0001140361-23-002420.json
- Plain text: https://secwatch.observer/filing/0001140361-23-002420.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.