{"schema_version":"secwatch.filing_event.v1","accession":"0001140361-25-039473","form_type":"8-K","ticker":"NBTB","cik":"0000790359","company_name":"NBT BANCORP INC","filed_at":"2025-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.171262+00:00","generated_at":"2026-05-17T02:16:29.043731+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"NBT Bancorp reports record Q3 net income of $54.5M; raises dividend 8.8%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001140361-25-039473","json":"https://secwatch.observer/filing/0001140361-25-039473.json","markdown":"https://secwatch.observer/filing/0001140361-25-039473.md","text":"https://secwatch.observer/filing/0001140361-25-039473.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/790359/000114036125039473/0001140361-25-039473-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/790359/000114036125039473/ef20057742_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:16:29.043731+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"}