---
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"
generated_at: "2026-05-17T02:16:29.043731+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001140361-25-039473
- JSON: https://secwatch.observer/filing/0001140361-25-039473.json
- Plain text: https://secwatch.observer/filing/0001140361-25-039473.txt

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