NBT Bancorp Q2 GAAP EPS $0.44; operating EPS $0.88; dividend up 8.8%

NBT BANCORP INC

2025-Q2 EPS reported $1.21

GAAP net income $22.5M ($0.44 EPS) vs $32.7M ($0.69) in Q2 2024; operating EPS $0.88 vs $0.69.
Net interest margin (FTE) 3.59%, up 15 bps from Q1; net interest income $124.2M, +15.9% from Q1.
Completed Evans Bancorp acquisition May 2, adding $1.67B loans and $1.86B deposits; issued 5.1M shares.
Dividend raised 8.8% to $0.37/share, payable Sept 15 to holders of record Sept 1; 13th consecutive annual increase.
Redeemed $118M subordinated debt (weighted avg rate 5.45%) in July 2025 using existing liquidity.

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