---
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"
generated_at: "2026-05-18T00:38:39.791425+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-25-027601
- JSON: https://secwatch.observer/filing/0001140361-25-027601.json
- Plain text: https://secwatch.observer/filing/0001140361-25-027601.txt

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