{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-24-021028","form_type":"8-K","ticker":"NBTB","cik":"0000790359","company_name":"NBT BANCORP INC","filed_at":"2024-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:03:21.979288+00:00","generated_at":"2026-06-03T14:54:00.040460+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"NBT Bancorp Q1 net income $33.8M, EPS $0.71; operating EPS $0.68","bullets":["Net income $33.8M ($0.71 diluted) vs $33.7M ($0.78) a year ago; operating EPS $0.68 vs $0.88.","Net interest margin (FTE) 3.14%, down 1bp from Q4 2023; earning asset yield 4.84%.","Period-end loans $9.69B (+$37.4M), deposits $11.20B (+$226.3M); loan/deposit ratio 86.5%.","Noninterest income $43.2M (ex-securities gains), up 13.8% from Q4; fee income 31% of revenue.","Tangible book value per share $22.07; CET1 ratio 11.68%; repurchased 1,900 shares at avg $33.03."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-24-021028","json":"https://secwatch.observer/filing/0001140361-24-021028.json","markdown":"https://secwatch.observer/filing/0001140361-24-021028.md","text":"https://secwatch.observer/filing/0001140361-24-021028.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/790359/000114036124021028/0001140361-24-021028-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/790359/000114036124021028/ef20027328_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T14:54:00.040460+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":"8ce5686280d85fc4238b88c97bdbc053e9b5ae58","claim":"NBT BANCORP INC reported the quarter ended March 31, 2024 results: net income $33.8 million, EPS $0.71 per diluted common share.","evidence_excerpt":"Net income for the three months ended March 31, 2024 was $33.8 million, or $0.71 per diluted common share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/790359/000114036124021028/0001140361-24-021028-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2024"},{"label":"Net income","value":"$33.8 million"},{"label":"EPS","value":"$0.71 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"}