---
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"
generated_at: "2026-05-27T09:47:20.921556+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# NBT Bancorp Q4 net income $36.0M ($0.76 EPS); raises dividend 6.3% to $0.34

## Summary
- 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%.

## SEC filing metadata
- 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
- 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/790359/000114036125002081/0001140361-25-002081-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/790359/000114036125002081/ef20042313_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-25-002081
- JSON: https://secwatch.observer/filing/0001140361-25-002081.json
- Plain text: https://secwatch.observer/filing/0001140361-25-002081.txt

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