secwatch.observer — SEC 8-K summary
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Issuer:     NBT BANCORP INC (NBTB)
CIK:        0000790359
Form:       8-K
Filed at:   2024-10-28T23:59:59+00:00
Accession:  0001140361-24-044433
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/790359/000114036124044433/0001140361-24-044433-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/790359/000114036124044433/ef20037741_8k.htm
  HTML page:      https://secwatch.observer/filing/0001140361-24-044433

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