{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-25-027601","form_type":"8-K","ticker":"NBTB","cik":"0000790359","company_name":"NBT BANCORP INC","filed_at":"2025-07-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.377354+00:00","generated_at":"2026-05-18T00:38:39.791425+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"NBT Bancorp Q2 GAAP EPS $0.44; operating EPS $0.88; dividend up 8.8%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-25-027601","json":"https://secwatch.observer/filing/0001140361-25-027601.json","markdown":"https://secwatch.observer/filing/0001140361-25-027601.md","text":"https://secwatch.observer/filing/0001140361-25-027601.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/790359/000114036125027601/0001140361-25-027601-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/790359/000114036125027601/ef20052684_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T00:38:39.791425+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"}