---
schema_version: "secwatch.filing_event.v1"
accession: "0001140361-24-044433"
form_type: "8-K"
ticker: "NBTB"
cik: "0000790359"
company_name: "NBT BANCORP INC"
filed_at: "2024-10-28T23:59:59+00:00"
generated_at: "2026-05-30T09:53:17.627968+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# NBT Bancorp Q3 net income $38.1M, EPS $0.80; NIM up 9 bps; dividend raised

## Summary
- Net income $38.1M ($0.80 diluted EPS) vs $24.6M ($0.54) in Q3 2023; operating EPS $0.80.
- Net interest income (FTE) $102.3M, up $4.5M QoQ; NIM 3.27%, +9 bps from Q2 2024.
- Record noninterest income $45.3M (excl. securities gains), up 4.6% QoQ and 12.1% YoY.
- Board declared Q4 cash dividend $0.34/share (+6.3% vs Q4 2023), payable Dec 16 to record Dec 2.
- Evans Bancorp merger (all-stock) on track to close in Q2 2025; Evans had $2.26B assets at June 30.

## SEC filing metadata
- accession: 0001140361-24-044433
- form_type: 8-K
- ticker: NBTB
- cik: 0000790359
- company_name: NBT BANCORP INC
- filed_at: 2024-10-28T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/790359/000114036124044433/0001140361-24-044433-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/790359/000114036124044433/ef20037741_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-24-044433
- JSON: https://secwatch.observer/filing/0001140361-24-044433.json
- Plain text: https://secwatch.observer/filing/0001140361-24-044433.txt

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