{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-23-049330","form_type":"8-K","ticker":"NBTB","cik":"0000790359","company_name":"NBT BANCORP INC","filed_at":"2023-10-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:32.013778+00:00","generated_at":"2026-06-09T15:24:56.200853+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 Q3 net income $24.6M ($0.54 EPS), down 37% YoY; operating EPS $0.84","bullets":["Net income $24.6M ($0.54 diluted EPS) vs $39.0M ($0.90) in Q3 2022; operating diluted EPS $0.84.","NIM (FTE) 3.21%, down 6 bps QoQ; earning asset yield 4.63% (+21 bps QoQ), cost of deposits 1.18% (+33 bps).","Completed Salisbury acquisition on Aug 11; added $1.18B loans and $1.31B deposits.","Quarterly dividend increased to $0.32/share, up 6.7% from prior year (11th consecutive annual increase).","Total loans $9.67B, up $1.52B from Dec 2022; total deposits $11.40B, up $1.91B."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-23-049330","json":"https://secwatch.observer/filing/0001140361-23-049330.json","markdown":"https://secwatch.observer/filing/0001140361-23-049330.md","text":"https://secwatch.observer/filing/0001140361-23-049330.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/790359/000114036123049330/0001140361-23-049330-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/790359/000114036123049330/ef20013038_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T15:24:56.200853+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":"0b194030325f64c9452065b88d5f284e83e001a0","claim":"NBT BANCORP INC reported the three months ended September 30, 2023 results: net income $24.6 million, EPS $0.54 per diluted common share.","evidence_excerpt":"NBT Bancorp Inc. (“NBT” or the “Company”) (NASDAQ: NBTB) reported net income and diluted earnings per share for the three and nine months ended September 30, 2023. Net income for the three months ended September 30, 2023 was $24.6 million, or $0.54 per diluted common share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/790359/000114036123049330/0001140361-23-049330-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended September 30, 2023"},{"label":"Net income","value":"$24.6 million"},{"label":"EPS","value":"$0.54 per diluted common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"442b5a775d49143afdf456a45c0ef93cae35044b","claim":"NBT BANCORP INC reported financial results for the nine months ended September 30, 2023.","evidence_excerpt":"reported net income and diluted earnings per share for the three and nine months ended September 30, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/790359/000114036123049330/0001140361-23-049330-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the nine months ended September 30, 2023"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"580cf20b90531a35310017a34550b08ece067d62","claim":"NBT BANCORP INC reported the second quarter of 2023 results: net income $30.1 million, EPS $0.70 per diluted share.","evidence_excerpt":"and $30.1 million, or $0.70 per diluted share, in the second quarter of 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/790359/000114036123049330/0001140361-23-049330-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the second quarter of 2023"},{"label":"Net income","value":"$30.1 million"},{"label":"EPS","value":"$0.70 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"72af8866b7d7385e062d3698076e896b3fb7ffe5","claim":"NBT BANCORP INC reported the three months ended September 30, 2022 results: net income $39.0 million, EPS $0.90 per diluted share.","evidence_excerpt":"compared to $39.0 million, or $0.90 per diluted share, for the three months ended September 30, 2022","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/790359/000114036123049330/0001140361-23-049330-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended September 30, 2022"},{"label":"Net income","value":"$39.0 million"},{"label":"EPS","value":"$0.90 per diluted 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"}