{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-25-002081","form_type":"8-K","ticker":"NBTB","cik":"0000790359","company_name":"NBT BANCORP INC","filed_at":"2025-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.357170+00:00","generated_at":"2026-05-27T09:47:20.921556+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"NBT Bancorp Q4 net income $36.0M ($0.76 EPS); raises dividend 6.3% to $0.34","bullets":["Q4 net income $36.0M ($0.76 dil EPS) vs $30.4M ($0.64) a year ago; FY net income $140.6M ($2.97) vs $118.8M ($2.65).","Net interest income FTE $106.7M, NIM 3.34% up 7 bps QoQ; total cost of funds down 14 bps to 1.71%.","Cash dividend raised to $0.34/share (6.3% increase) payable March 17, 2025 to holders of record March 3.","Evans Bancorp merger received regulatory approval; expected to close Q2 2025 pending customary conditions.","Period-end loans $9.97B (+3.3% YoY); deposits $11.55B (+5.3% YoY); NPAs to assets 0.38%."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-25-002081","json":"https://secwatch.observer/filing/0001140361-25-002081.json","markdown":"https://secwatch.observer/filing/0001140361-25-002081.md","text":"https://secwatch.observer/filing/0001140361-25-002081.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/790359/000114036125002081/0001140361-25-002081-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/790359/000114036125002081/ef20042313_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T09:47:20.921556+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}