NBT Bancorp reports record Q3 net income of $54.5M; raises dividend 8.8%

NBT BANCORP INC

2025-Q3 EPS reported $2.26

Net income $54.5M ($1.03 diluted EPS) vs $38.1M ($0.80) in Q3 2024; operating diluted EPS $1.05.
Net interest margin (FTE) improved to 3.66%, up 7 bps from prior quarter.
Board declared quarterly dividend of $0.37 per share, an 8.8% increase over prior year.
Amended stock repurchase program authorizes up to 2.0M shares through Dec 2027.
Evans Bancorp acquisition added $1.67B loans and $1.86B deposits; full quarter impact included.

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