{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-25-015461","form_type":"8-K","ticker":"NBTB","cik":"0000790359","company_name":"NBT BANCORP INC","filed_at":"2025-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.281920+00:00","generated_at":"2026-05-23T07:36:59.750582+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"NBT Bancorp Q1 net income $36.7M ($0.77 EPS), operating EPS $0.80; Evans merger closing May 2","bullets":["Net income $36.7M ($0.77 diluted EPS) up from $33.8M ($0.71) in Q1 2024; operating EPS $0.80.","NIM on FTE basis 3.44%, up 10 bps QoQ; earning asset yield 4.95% down 1 bp; cost of deposits 1.49% down 11 bps.","Period-end loans $9.98B (+$10.4M from Dec); deposits $11.71B (+$161.8M); loan-to-deposit 85.2%.","Provision for loan losses $7.6M vs $2.2M prior quarter due to economic forecasts and higher charge-offs; net charge-offs 0.27% annualized.","Merger with Evans Bancorp expected to close May 2, 2025; Evans had $2.19B assets; exchange ratio 0.91 NBT shares per Evans share."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-25-015461","json":"https://secwatch.observer/filing/0001140361-25-015461.json","markdown":"https://secwatch.observer/filing/0001140361-25-015461.md","text":"https://secwatch.observer/filing/0001140361-25-015461.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/790359/000114036125015461/0001140361-25-015461-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/790359/000114036125015461/ef20047848_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T07:36:59.750582+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"}