secwatch.observer — SEC 8-K summary
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Issuer:     NBT BANCORP INC (NBTB)
CIK:        0000790359
Form:       8-K
Filed at:   2025-07-28T23:59:59+00:00
Accession:  0001140361-25-027601
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/790359/000114036125027601/0001140361-25-027601-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/790359/000114036125027601/ef20052684_8k.htm
  HTML page:      https://secwatch.observer/filing/0001140361-25-027601

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