{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-23-037045","form_type":"8-K","ticker":"NBTB","cik":"0000790359","company_name":"NBT BANCORP INC","filed_at":"2023-07-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.657592+00:00","generated_at":"2026-06-12T22:34:06.061265+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"NBT Bancorp Q2 net income $30.1M, EPS $0.70; core EPS $0.80; Salisbury merger on track for Aug 11","bullets":["Net income $30.1M ($0.70 diluted EPS) vs $37.8M ($0.88) YoY and $33.7M ($0.78) QoQ; adjusted EPS $0.80.","Net interest margin (FTE) 3.27%, down 28 bps QoQ on higher deposit costs and short-term borrowings.","Loans grew $208M (5.1% annualized) from Dec 2022 to $8.36B; deposits flat at $9.53B.","Pending Salisbury Bancorp merger expected to close Aug 11, 2023; received all regulatory and shareholder approvals.","Tangible book value per share $21.55, flat QoQ and up 2.7% YoY; CET1 ratio 12.29%."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-23-037045","json":"https://secwatch.observer/filing/0001140361-23-037045.json","markdown":"https://secwatch.observer/filing/0001140361-23-037045.md","text":"https://secwatch.observer/filing/0001140361-23-037045.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/790359/000114036123037045/0001140361-23-037045-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/790359/000114036123037045/brhc20056668_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-12T22:34:06.061265+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":[{"claim_id":"29ee1a21fd5f9c078705078619835c38e93def37","claim":"NBT BANCORP INC reported for the three months ended June 30, 2023 results: net income $30.1 million, EPS $0.70 per diluted common share.","evidence_excerpt":"NBT BANCORP INC. ANNOUNCES SECOND QUARTER NET INCOME OF $30.1 MILLION ($0.70 PER DILUTED COMMON SHARE) NORWICH, NY (July 31, 2023) – NBT Bancorp Inc. (“NBT” or the “Company”) (NASDAQ: NBTB) reported net income and diluted earnings per share for the three and six months ended June 30, 2023. Net income for the three months ended June 30, 2023 was $30.1 million, or $0.70 per diluted common share, compared to $37.8 million, or $0.88 per diluted share, for the three months ended June 30, 2022, and $33.7 million, or $0.78 per diluted share, in the first quarter of 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/790359/000114036123037045/0001140361-23-037045-index.htm","confidence":0.99,"family_label":"Earnings Releases","details":[{"label":"Period","value":"for the three months ended June 30, 2023"},{"label":"Net income","value":"$30.1 million"},{"label":"EPS","value":"$0.70 per diluted common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}