---
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"
generated_at: "2026-06-03T14:54:00.040460+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# NBT Bancorp Q1 net income $33.8M, EPS $0.71; operating EPS $0.68

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-24-021028
- JSON: https://secwatch.observer/filing/0001140361-24-021028.json
- Plain text: https://secwatch.observer/filing/0001140361-24-021028.txt

## Key facts
- Earnings Releases
  NBT BANCORP INC reported the quarter ended March 31, 2024 results: net income $33.8 million, EPS $0.71 per diluted common share.
  - Period: the quarter ended March 31, 2024
  - Net income: $33.8 million
  - EPS: $0.71 per diluted common share
  - Result: reported results
  source text: Net income for the three months ended March 31, 2024 was $33.8 million, or $0.71 per diluted common share
  evidence_url: https://www.sec.gov/Archives/edgar/data/790359/000114036124021028/0001140361-24-021028-index.htm

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