{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-24-003437","form_type":"8-K","ticker":"NBTB","cik":"0000790359","company_name":"NBT BANCORP INC","filed_at":"2024-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.929048+00:00","generated_at":"2026-06-06T20:21:08.050293+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"NBT Bancorp Q4 net income $30.4M, EPS $0.64; full-year EPS $2.65, down from $3.52; dividend increased to $0.32","bullets":["Q4 2023 net income $30.4M ($0.64 diluted EPS) vs $36.1M ($0.84) a year ago; operating EPS $0.72 vs $0.86.","Full-year 2023 net income $118.8M ($2.65 EPS) vs $152.0M ($3.52) in 2022; operating EPS $3.23 vs $3.56.","Net interest margin (FTE) 3.15%, down 6 bps QoQ; total loans $9.65B, up $1.50B YoY including Salisbury acquisition.","Board declares Q1 dividend $0.32 per share, a 6.7% increase from prior year; payable March 15, 2024 to record March 1.","Nonperforming loans to total loans 0.39%, up from 0.25% prior quarter; net charge-offs 0.22% of avg loans."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-24-003437","json":"https://secwatch.observer/filing/0001140361-24-003437.json","markdown":"https://secwatch.observer/filing/0001140361-24-003437.md","text":"https://secwatch.observer/filing/0001140361-24-003437.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/790359/000114036124003437/0001140361-24-003437-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/790359/000114036124003437/ef20019435_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T20:21:08.050293+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":"0fd27822627aaf5b596d65a2fd2a51cc0ee30fbf","claim":"NBT BANCORP INC reported the quarter ended December 31, 2023 results: net income $30.4 million, EPS $0.64 per diluted common share.","evidence_excerpt":"Net income for the three months ended December 31, 2023 was $30.4 million, or $0.64 per diluted common share, compared to $36.1 million, or $0.84 per diluted common","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/790359/000114036124003437/0001140361-24-003437-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended December 31, 2023"},{"label":"Net income","value":"$30.4 million"},{"label":"EPS","value":"$0.64 per diluted common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"70413b23791123d76cdab8bd0adcb4aa166c2482","claim":"NBT BANCORP INC reported the year ended December 31, 2023 results: net income $118.8 million, EPS $2.65 per diluted common share.","evidence_excerpt":"Net income for the year ended December 31, 2023 was $118.8 million, or $2.65 per diluted common share, compared to $152.0 million, or $3.52 per diluted common share, in","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/790359/000114036124003437/0001140361-24-003437-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the year ended December 31, 2023"},{"label":"Net income","value":"$118.8 million"},{"label":"EPS","value":"$2.65 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"}